Credit Policy and Analytics Manager

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