Key Responsibilities

Portfolio Strategy &

- Credit Policy

- Develop and implement credit strategies aligned with GTM goals, including customer eligibility, loan limits, and exposure decisions across the lifecycle
- Leverage telecom, wallet, bureau, and mobile app data to optimize underwriting and customer segmentation
- Design and enhance customer journeys and engagement strategies to improve usage, credit awareness, and repayment behavior across digital channels (App, SMS, USSD, OBD)
- Collaborate with external collection agencies and optimize collection strategies, including direct debit rules and delinquency management
- Identify growth opportunities within partner customer segments to drive top-line revenue
- Build frameworks to measure and evaluate the effectiveness of credit strategies and portfolio performance

Portfolio Monitoring &

- Governance

- Develop portfolio tracking metrics and dashboards in collaboration with the tech team
- Monitor key portfolio indicators including PDD (Post Disbursement Documents) MIS and ensure pendency is within acceptable limits
- Coordinate with partner teams to manage due/overdue PDD processes effectively
- Drive cross-functional collaboration with data science, product, and operations teams to maintain portfolio health
- Propose and implement continuous improvements in risk,



compliance, and operational efficiency

Key Skills Required Technical &

- Analytical Skills

- Strong understanding of credit risk management, scorecards, and underwriting in unsecured lending
- Hands-on experience with data-driven credit strategy and policy implementation
- Proficiency in SQL, Python, and PySpark (Big Data environment such as Hadoop/Spark preferred)
- Familiarity with machine learning algorithms and their application in credit decisioning

Business &

- Strategic Skills

- Strong analytical thinking and problem-solving ability
- Ability to balance risk management with business growth objectives
- Experience in developing and optimizing credit strategies across the customer lifecycle
- Data-driven mindset with a focus on continuous improvement and experimentation

Process &

- Execution

- Process-oriented with the ability to design scalable and productive operating models
- Strong focus on data collection, monitoring, and performance tracking

Stakeholder Management

- Proven experience working with cross-functional teams (product, data science, operations)
- Ability to manage relationships with external partners such as banks, telecom companies, and collection agencies

📌 Senior Risk Analyst (Gurugram)
🏢 Comviva
📍 Gurugram