Risk Policy Manager-Two-Wheeler Loans

Job Description : Responsible for defining the credit underwriting framework for new as well as existing to bank customers

Defining the strategies for Credit Approval and Credit Limit assignment

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

High end analytics required for management of risk levels, approval rate, and customer credit profile. Providing data extraction, analysis, and visualization to support company-wide decision making

Portfolio management, limit management of the existing card portfolio

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, SDK data, telecom data, Geo data etc. in UW strategies

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

Analyze data (customer / portfolio / retailer) to identify early warning signals and proactively provide feedback to Anti-Fraud Head to take corrective actions

Working Experience with Tableau and SQL is a must.