Credit Risk

Roles and Responsibilities Key Responsibilities

• Delinquency & Portfolio management - Maintain the portfolio and bounce metrics at acceptable levels and propose
• measures to control the same.
• Participating and contributing in building and maintenance of Score Cards and BRE.
• Monitoring and enriching the applications through third party sources like Perfios, Total KYC, Bureau, NSDL, UIDAI
• and explore various other APIs which will help in underwriting and taking accurate decisions.
• Identification and management of high risk accounts through Bureau scrub etc., to ensure that loan losses are
• minimal and maintained within budgets
• Developing and Conducting COPR (Credit & operation process review) process to minimize operational & process
• risk and sharing observations / corrective action required with UW teams for continuous improvement and learning
• Maintain portfolio quality through sound management of credit policies, development, maintenance, and
• execution of appropriate credit MIS for portfolio monitoring
• To put robust bureau MIS and analysis in place.