Manager-Credit Underwriting (Analytics- SQL)

Key Responsibilities :

Responsible for defining the credit underwriting framework for Two-Wheeler Loans

Defining the strategies for credit approval and Credit Limit assignment

Monitoring & meeting the acquisition vintage risk levels within the risk appetite

Monitoring the incoming credit profiles, score distributions, approval rates etc.

Ownership of the cross-sell UW engine – generating eligible customer base for CRM / sales teams

Development, testing, and deployment of policy changes in underwriting decision engine (Blaze)

Close cooperation with business teams like Sales, CRM, Marking, Digital, and Data Science

Working closely with Finance to provide inputs for budgeting, pricing, regulators

Leveraging big data sources like credit bureau data, account aggregator, telecom data, Geo data etc. in UW strategies

Regular updates to CRO and leadership team on portfolio quality & vintage risk performance

Engagement with collections department to optimize the risk levels – proving inputs on sourcing quality trends , key UW changes etc.

Mandatory Skills : SQL

Credit Risk Policy Framework