Key Responsibilities
Portfolio Strategy & Credit Policy
• Build and implement credit strategies to define GTM approach, customer eligibility, and exposure decisions throughout the loan lifecycle.
• Partner with business and product teams to optimize customer journeys and communication across digital channels (SMS, USSD, OBD, Mobile App).
• Collaborate with external debt collection agencies and optimize direct debit rules for delinquent segments.
• Develop frameworks for measuring and improving strategy performance periodically.
Portfolio Monitoring, Forecasting & Governance
• Own Portfolio P&L; KPIs and ensure governance with banks and telcos to meet targets.
• Design portfolio tracking metrics and reporting dashboards in collaboration with tech teams.
• Coordinate overdue processes and propose solutions to maintain portfolio health.
Growth Opportunities
• Identify new customer segments and product constructs for revenue enhancement.
• Drive a Test & Learn agenda to experiment with recent product features, refine offers, and optimize marketing efforts across the lifecycle.
Required Qualifications & Skills
• Deep expertise in scorecards, credit policies, and risk management for unsecured retail lending.
• Proven experience defining underwriting strategies, exposure management, and owning portfolio KPIs for risk and revenue.
• Experience leading a credit policy analytics team (2–3 members) and providing functional guidance.
• Hands-on experience in data extraction using SQL, Python, and PySpark (Big Data Hadoop/Spark stack).
• Familiarity with ML algorithms for underwriting and risk modeling.
• Strong analytical mindset and entrepreneurial drive.
Good-to-Have Skills
• Previous experience managing P&L; for credit portfolios.
• Exposure to credit card or digital lending firms.
• Hands-on experience with telecom data for credit profiling.
About Yabx
Yabx is a global FinTech venture incubated by Mahindra Comviva and part of the USD 20 Billion Mahindra Group, focuse
📌 VP, Risk (India)
🏢 Comviva
📍 India