Key Responsibilities

- Formulate and implement credit policies, procedures, and guidelines for the Consumer Durable Loan segment.
- Collaborate with cross-functional teams to ensure effective implementation of credit policies in origination systems and decisioning platforms.
- Monitor market trends and industry practices to benchmark internal policies and stay aligned with best practices.
- Establish credit analytics frameworks to identify early warning signals, segment-level risk factors, and process insights.
- Ensure data integrity in line with ISO standards and organizational credit policy requirements.
- Conduct portfolio analysis, track performance, monitor triggers, and support delinquency control strategies.
- Lead initiatives for credit cycle management, collaborating with product, operations, approvals,



and collections teams.
- Identify and implement system/process enhancements to improve data quality for better risk analysis.
- Design and monitor risk controls in compliance with internal and external audit/regulatory requirements.
- Partner with credit systems teams to configure policy rules within acceptance and evaluation platforms.
- Assist in designing and delivering training programs to enhance credit team productivity and knowledge.

Skills: Risk Assessment, Regulatory Compliance, Credit Analytics, Process Improvement

Experience: 8.00-12.00 Years

📌 Chief Manager - Credit Policy | Consumer Durable Loan (Chennai)
🏢 TVS Credit Services
📍 Chennai