Key Responsibilities

- Own and drive credit policy design for cross-sell personal loan programs, focused on internal and partner customer bases.
- Analyze customer behavior, repayment history, and alternate data to define eligibility and segmentation strategies.
- Develop and optimize scorecard-based or rule-based underwriting models to achieve ideal risk-return balance.
- Collaborate with Product, Analytics, and Tech teams to integrate policies into digital journeys and decision engines.
- Monitor key portfolio performance metrics – approval rates, delinquencies, roll rates, and loss ratios across customer cohorts.
- Engage with credit bureaus and data providers to leverage external data for enhanced underwriting precision.
- Ensure compliance with regulatory guidelines and internal governance frameworks.
- Conduct periodic risk reviews and present credit policy performance to senior management and credit committees.

Skills: Personal Loans, Risk Management

Experience: 8.00-12.00 Years

📌 Chief Manager - Credit | Cross-sell Personal Loan (Chennai)
🏢 TVS Credit Services
📍 Chennai