Job Description

Credit and Policy | Job type: Full-Time | New Delhi | Posted: Mar 1st, 2024

No. of Vacancies: 1


Job Reference id: F00032




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Control and monitor consumer loans portfolio (CL) on daily/weekly/monthly basis to maintain the lowest loss rates by continuously analyzing, identifying, and eliminating the high- risk segment from portfolio.


#### Principal Accountabilities:


• Loss Management
+ Monitor TTD on weekly/monthly basis and identify high risk segments as per the performance
+ Control and minimize bounce rate (both technical and non-technical) to the acceptable rate
+ Reduce Non-Starters and loss rates
+ Review the portfolio on a Cohort and Co-incidental level and suggest/propose policy actions at Partner level
+ Forecast loss basis the actuals and prepare/provide the action plan on policy norms
+ Evaluate and set benchmarks at a portfolio level
• Channel Partner Management
+ Review existing partner's policy norms and propose changes as per the portfolio performance
+ Interact with new channel partner and build policies as per their product contours
+ Implement the policies in system with the help of IT
+ Review of partners performance on delinquency monthly
• Reporting and Analytics
+ Develop and prepare various type of daily/weekly/monthly MIS for tracking performance:

- TTD reports
- Bounce reports
- Non-starters
- Cohort level reports
- EWS
- CIR reports+ Identify and implement fraud control solutions which help in controlling loss
+ Work with the Data Science team to implement credit models
• External & Internal Audit
+ Conduct Internal audit of processes and policies through automated reports
+ Oversee, plan and coordinate RBI audits
• IT and Data Management
+ Set processes for capturing right data at right place which will help in extracting the data and analyzing the portfolio for improving the loss rates
+ Work with IT team for implementing the validation rules at field level in system for data management
+ Design and Automate weekly/monthly MIS
+ Integrate policies at system for new and existing partners
#### Required Skill


• Data analytics including knowledge of Python, R, SQL, Knowledge seeker and other financial tools
• 8 years minimum Industry Experience
#### Educational Qualification


• Postgraduate in Finance/Statistics/Data.