Key Responsibilities:
- Develop and manage credit policies for Consumer Durable Loans across various products and geographies.
- Design rule-based or scorecard-driven underwriting criteria in line with risk appetite and market trends.
- Work closely with OEMs, retailers, and sales finance teams to align credit policies with business strategy.
- Monitor portfolio performance, delinquencies, and credit cost; recommend policy changes to maintain portfolio health.
- Leverage customer, bureau, and alternate data to refine segmentation and enhance decision accuracy.
- Coordinate with product, technology, and analytics teams to implement policies within digital and assisted journeys.
- Ensure compliance with internal credit standards, regulatory guidelines, and audit requirements.
- Conduct regular policy reviews and provide insights for current product launches or strategic partnerships.

Job Requirements:
- Post Graduate / MBA
- 8+ years of experience in credit policy, preferably with exposure to Consumer Durable Loans in a

📌 Chief Manager (Chennai)
🏢 tvs credit services
📍 Chennai