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