Senior Manager - Personal Loans - Credit & Policy - Credit Risk - Digital Lending [28 / 10 / 2025]

Job Purpose :

Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans through digital journey.

Principal Accountabilities :

1. Underwriting Policies :

2. Working on solutions for credit underwriting basis different product constructs

3. Closely work with Data Science team to analyse the underwriting models prepared by them and validate the performance of the same on current portfolio

4. Determining performance benchmarks and identify course of action in case of breach

5. Automation of Credit Policies to ensure no / minimal manual Intervention in assessing the creditworthiness

6. Determining the right pricing basis segmentation

7. Working on standardization of policies and processes.

8. Track portfolio profitability and funnel metrics along with risk thresholds.

2. Performance monitoring :

1. Portfolio Analysis and recommending the policy changes to Policy head basis the outcome of the analysis

2. Periodical credit review of the existing portfolio and conducting various analysis to identify the high-risk segments.

3. Taking actions to mitigate the risks identified based on portfolio performance

4. Monitor the delinquent accounts to ensure the achievement of company standards / benchmark of the delinquency.

5. Identifying technological solutions to improve existing processes and overall portfolio management functions

6. Analysis of various MIS to monitor portfolio performance and risk.

3. New Partner Integrations

1. Understanding the product being offered by the new channel partner and the segment being catered to.

2. Understanding the journey, identifying the set of information available with the channel partner and requisitioning the set of data to be provided at time of application

3. Creation of policy basis the product, information available and prevailing models

4. Facilitate data room exercise for new segment of customers

5. Formulation of policy keeping the expected loss rates in consideration

6. Monitor the implementation of policy, UAT and production test run of policy and clear the bottlenecks, if any

4. Relationship Management :

1. Managing relations with Partners, credit reporting agencies and assisting in all credit operations of the company

Qualifications

• Minimum Qualification required : Postgraduate in Finance / Statistics / Management from A institutes
• Qualifications preferred : BTech with MBA

Work Experience

Main Skills : -

Applicant should be Proficient in -

Technical Skills : -