TVS Credit - Chief Manager - Credit - eCommerce Partnerships

Job Purpose :

This role is responsible to oversee credit risk strategies for e-commerce lending programs. The role requires deep expertise in credit risk, underwriting models, and portfolio monitoring, particularly in partnerships with e-commerce platforms for Buy Now Pay Later (BNPL), Personal Loans, or Co-branded Credit products.

Key Responsibilities :

• Design and manage credit policies for customer acquisition through e-commerce platforms.
• Analyze partner-sourced customer profiles and define risk segmentation frameworks.
• Collaborate with credit bureaus, data science, and analytics teams to develop scorecards and alternate data models.
• Monitor key performance indicators (KPIs) for the e-commerce lending portfolio : approval rates, default rates, vintage analysis, etc.
• Work closely with product, risk, and partner teams to fine-tune underwriting rules based on evolving trends.
• Conduct periodic reviews of credit performance at a cohort, product, and partner level.
• Ensure regulatory and internal compliance in all customer onboarding and decisioning processes.
• Support the launch of new products in collaboration with tech and product teams by providing credit risk input.

Job Requirements :

ref : iimjobs.com)