:

- Responsible for defining the credit underwriting framework for current as well as existing to bank customers
- Defining the strategies for Credit Approval and Credit Limit assignment
- Monitoring & meeting the acquisition vintage risk levels within the risk appetite
- High end analytics required for management of risk levels, approval rate, and customer credit profile. Providing data extraction, analysis, and visualization to support company-wide decision making
- Portfolio management, limit management of the existing card portfolio
- Ownership of the cross-sell UW engine – generating eligible customer base for CRM/sales teams
- Development, testing, and deployment of policy changes in underwriting decision engine (Blaze)
- Close cooperation with business teams like Sales, CRM, Marking, Digital,



and Data Science
- Working closely with Finance to provide inputs for budgeting, pricing, regulators
- Leveraging big data sources like credit bureau data, SDK data, telecom data, Geo data etc. in UW strategies
- Engagement with collections department to optimize the risk levels – proving inputs on sourcing quality trends , key UW changes etc.
- Analyze data (customer/portfolio/retailer) to identify early warning signals and proactively provide feedback to Anti-Fraud Head to take corrective actions
- Working Experience with Tableau and SQL is a must.

📌 Credit Risk Policy Manager (Gurugram)
🏢 Home Credit India
📍 Gurugram