Key Responsibilities
- Develop and manage credit policies across consumer durable loan products and geographies.
- Design rule-based and scorecard-driven underwriting criteria aligned with risk appetite and evolving market conditions.
- Collaborate with OEMs, retailers, and sales finance teams to align credit policies with business strategy and partner expectations.
- Monitor portfolio performance metrics such as delinquencies, credit cost, and NPA trends ; recommend timely policy adjustments.
- Leverage bureau data, alternative data sources, and customer behavior insights to refine risk segmentation.
- Work closely with product, tech, and analytics teams to implement policies in both digital and assisted journeys .
- Ensure full compliance with internal risk frameworks, regulatory guidelines, and audit standards .
- Conduct periodic policy reviews and support recent product launches or partnerships with risk-policy inputs.

📌 Chief Manager (Chennai)
🏢 TVS Credit Services
📍 Chennai