Key Responsibilities:
Develop and manage credit policies for Consumer Durable Loans across various products and geographies.
Design rule-based or scorecard-driven underwriting criteria in line with risk appetite and market trends.
Work closely with OEMs, retailers, and sales finance teams to align credit policies with business strategy.
Monitor portfolio performance, delinquencies, and credit cost; recommend policy changes to maintain portfolio health.
Leverage customer, bureau, and alternate data to refine segmentation and enhance decision accuracy.
Coordinate with product, technology, and analytics teams to implement policies within digital and assisted journeys.
Ensure compliance with internal credit standards, regulatory guidelines, and audit requirements.
Conduct regular policy reviews and provide insights for recent product launches or strategic partnerships.

Job Requirements:
Post Graduate / MBA




8+ years of experience in credit policy, preferably with exposure to Consumer Durable Loans in a Bank or NBFC
Experience working with fintech partners or embedded finance models
Understanding of retail merchant network dynamics and POS financing
In-depth understanding of consumer durable finance, including EMI schemes, zero-cost financing, and manufacturer-led subvention models.
Robust expertise in credit policy formulation, risk assessment, and scorecard development
Experience with credit bureau data, partner integrations, and digital credit decisioning tools
Robust analytical and communication skills with experience in cross-functional collaboration
Proficiency in Excel, SQL, and analytics platforms (SAS, Python preferred)

📌 Chief Manager Credit Portfolio Management Chennai
🏢 tvs credit services
📍 Chennai