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