Key Responsibilities

- Monitor and manage credit risk policies for digital personal loan products.

- Review Business Rule Engine (BRE) performance, approval rates, and portfolio

quality to ensure an optimal balance between growth and risk.

- Define and monitor customer eligibility criteria, underwriting standards, and

overall risk appetite.

- Review and update credit decision rules based on portfolio performance and risk

trends.

- Coordinate with partner banks on underwriting standards and risk-sharing

arrangements.

- Ensure compliance with co-lending agreements and operational processes.

- Monitor adherence to jointly agreed credit policies and service-level agreements

(SLAs).

- Support periodic portfolio reviews with lending partners and recommend

corrective actions where required.

- Recommend policy enhancements based on customer behavior, portfolio

performance, and emerging risk trends.





- Optimize the balance between loan approvals and expected credit losses.

- Ensure lending practices comply with applicable regulatory requirements,

including digital lending guidelines.

- Support internal and external audits by providing required documentation and

ensuring policy adherence.

- Conduct regular reviews and updates of underwriting policies to maintain

portfolio quality and business objectives.

Experience

- 310 years of experience in unsecured digital lending (Personal Loans) within

a FinTech, NBFC, or Bank.

- Hands-on experience with automated underwriting systems and Business

Rule Engines (BRE).

- Experience managing co-lending portfolios with partner banks is highly

desirable.

📌 Digital Personal Loan Manager (Mumbai)
🏢 Finkurve
📍 Mumbai