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