Scope of the Role
As the Risk team member, you will be responsible for managing risk strategy and containing credit losses. To create acquisition and portfolio risk in our lending portfolio, by complete assessment of our internal scorecards and policy metrics.
Job Description
● Create acquisition and portfolio risk in our lending portfolio, by complete assessment of our internal scorecards and policy metrics. ● Constantly assess effectiveness of existing credit policies and recommend new policies and corresponding operating guidelines for unsecured and secured lending products ● Build, monitor and modify credit and fraud policies to manage credit loss within tolerance limits ● Work closely with business teams in building pricing, limit enhancements and cross sell strategies ● Help shape the product design and operations processes by evaluating them from a Credit/Fraud risk lens ● Work closely with collections and operations team to ensure the feedback loop is closed and learnings are relayed into our credit decisioning strategies ● Interact with lending partners in helping them understand innovative programs and define metrics for tracking ● Own the periodic review with the lending partners to track portfolio performance ● Evaluate portfolios of loan service providers and modify credit and fraud policies to keep portfolios within risk tolerance.
You should apply if you have:
● 3-7 years of strong analytical, monitoring and control, execution experience in Banks/NBFCs/Fintechs ● Proficient in Python, SQL, Excel, Gsheets, Tableau or equivalent MIS software ● prior retail credit experience will be strongly preferred followed by any experience on underwriting in proximate fields (like unsecured loans, insurance, working capital loans etc) ● have the ability to analyse and solve complicated problems, and distill that complexity into simple and concise communication ● seek high ownership, independent environments, and feedback oriented cultures ● must have a very strong operating discipline. ● Strong written and verbal communication skills
Ideal Candidates
The candidate must have strong experience in Credit Risk Analysis, monitoring & Control. Must be proficient in Python, SQL, Excel, Gsheets, Tableau or equivalent MIS softwares.