Job Responsibilities

Portfolio Strategy & Credit Policy

• Develop credit strategy to drive the GTM strategy, customer eligibility and limit/exposure decisions through customer loan life cycle using telecom, wallet, bureau data, mobile app
• Develop and optimize customer journey and ongoing communication to drive usage, credit education and repayment across multiple digital channels (Mobile App, SMS, USSD, OBD)
• Work with external debt collection agencies and optimize direct debit rules to drive collection effectiveness for delinquent customer segments and optimizing collection offers
• Building framework for measuring periodic performance of existing strategies

Portfolio Monitoring & Governance

• Develop portfolio tracking metrics and design reports leveraging existing tech team
• Monitoring PDD MIS, Follow-up for pending PDDs, PDD pendency to be kept within acceptable limits.
• Coordination with partner team for due/ overdue PDD process. Propose and implement solutions to keep portfolio healthy interfacing data science, product and business operations team





Required Qualifications & Skills

• Knowledge of scorecards, credit policies and risk management in an unsecured context
• Hands on experience as a data driven strategy/policy analyst for more than 1 year
• Positive analytical thought process and aptitude for problem solving ; Hands on experience using SQL, Python and Pyspark SQL (Big Data Hadoop/Spark Stack) preferred
• Passion for using data and algorithm to drive underwriting decisions; Previous exposure to ML algorithms.
• Strong entrepreneurial drive
• Premier educational background strongly preferred (technical, engineering discipline)

What We Look For

• Passion for analytics: Should have solid understanding of cutting edge credit strategy leveraging data driven models. Should have hands on experience and track record of delivering projects in individual capacity.
• Process oriented: Should help in building a process that maximizes operating efficiency

📌 Senior Risk Analyst (Gurugram)
🏢 Comviva
📍 Gurugram