Job Purpose:
Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of MSME loans through digital journey.

Principal Accountabilities:
Underwriting Policies
Working on solutions for credit underwriting basis different product constructs
Closely work with Data Science team to analyse of the underwriting models prepared by them and validate the performance of the same on current portfolio
Determining performance benchmarks and identifying right course of action in case of breach
Automation of Credit Policies to ensure no/mínimal manual Intervention in assessing the creditworthiness
Determining the right pricing basis segmentation
Working on standardization and modification of policies and processes.

Performance monitoring
Portfolio Analysis and recommending policy changes to Policy head basis the outcome of the analysis
Periodical credit review of the existing portfolio and conduct various analysis to identify the high-risk segments.
Taking actions to mitigate the risks identified based on portfolio performance




Monitor the delinquent accounts to ensure the achievement of company standards/benchmark of the delinquency.
Identifying technological solutions to improve existing processes and overall portfolio management functions
Analysis of various MIS to monitor portfolio performance and risk.

New Partner Integration
Understanding the product being offered by the recent channel partner and the segment being catered to.
Creation of policy basis the product, information available and prevailing models
Facilitate data room exercise for recent segment of customers
Formulation of policy keeping the expected loss rates in consideration
Monitor the implementation of policy, UAT and production test run of policy and explicit the bottlenecks, if any

Loss Management
Monitor portfolio on a daily/weekly basis for any increase in risk (loss rates)
Forecast loss for portfolios

Stakeholder Management
Interacting with cros

📌 Senior Manager Delhi
🏢 DMI Finance
📍 Delhi