JOB DESCRIPTION

Role TitleManager Reports ToAkshay KumarCompany DMI Finance Pvt Ltd.Function/ DepartmentCredit MSME

1. About DMI Finance

Led by technology, powered by creative thinking and driven by creative partnerships, DMI is reimagining the transmission of credit in India.
Founded in 2008 by Shivashish Chatterjee and Yuvraja C. Singh, and supported by a deeply experienced team, DMI has grown into a pan-India credit platform with core businesses in corporate lending, housing finance, digital consumer and MSME finance and asset management.
DMI is supported by global institutional investors, strategic family offices and leading banks and public market creditors in India.

1. JOB PURPOSE

Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of MSME loans through digital journey.

1. ORGANISATIONAL CHART

1. PRINCIPAL ACCOUNTABILITIES

(Accountabilities associated with the job)

Underwriting Policies
- Working on solutions for credit underwriting basis different product constructs




- Closely work with Data Science team to analyze of the underwriting models prepared by them and validate the performance of the same on current portfolio
- Determining performance benchmarks and identify course of action in case of breach
- Automation of Credit Policies to ensure no/minimal manual Intervention in assessing the creditworthiness
- Determining the right pricing basis segmentation
- Working on standardization of policies and processes.

Performance monitoring
- Portfolio Analysis and recommending the policy changes to Policy head basis the outcome of the analysis
- Periodical credit review of the existing portfolio and conducting various analysis to identify the high-risk segments.
- Taking actions to mitigate the risks identified based on portfolio performance
- Monitor the delinquent accounts to ensure the achievement of company standards/benchmark of the delinquency.
- Identifying technological solutions to improve existing processes and

📌 Policy Manager (New Delhi)
🏢 DMI Finance
📍 New Delhi