Policy Manager : Personal Loans

Role & responsibilities :

• Formulating and implementing policy, procedures & guidelines for credit appraisal, credit risk models and frameworks
• Interacting with cross-functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms.
• Managing of Rule engine for credit decisions.
• Analyzing the market trends / practices and benchmarking of policies with the market
• Establishing a robust Credit Analytic Framework to identify early warning signals, credit risk process inputs and customer segment-wise risk factors.
• Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control
• Identify and implement system and process improvements to ensure accurate, thorough data is available to support high-quality analysis.
• Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit approval team, credit operations team and collection team.
• Assist in developing and implementing training programs to improve the quality and
• Reviewing and up-keep of BRE rules, scorecards, STP journeys and other digital initiatives
• Use data and analytics for portfolio health tracking and systematically improving the Policy and Proces

Preferred candidate profile

Skills Required

Policy, Analytic