Job Description

This role is responsible to create, review & implement credit policy for Cross Sell business in line with business
requirements. Also responsible for maintaining productivity, delivering solutions as per predefined SLAs and
implementing policy related enhancements\xef\x82\xb7 Formulating and implementing policy, procedures & guidelines for Cross Sell
Personal Loan credit appraisal
\xef\x82\xb7 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
\xef\x82\xb7 Analyzing the market trends / practices and benchmarking of policies with the
market
\xef\x82\xb7 Establishing a robust Credit Analytic Frameworks to identify early warning
signals, credit risk process inputs and customer segment wise risk factors
\xef\x82\xb7 Ensure that data integrity is maintained and meet all ISO process standards as
per the organizations credit policy
\xef\x82\xb7 Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews &
delinquency control
\xef\x82\xb7 Identify and implement system and process improvements to ensure accurate,
thorough data is available to support high quality analysis
\xef\x82\xb7 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
\xef\x82\xb7 Manage the interface with External / Internal Auditors; Design controls to meet
all regulatory & internal requirements
\xef\x82\xb7 Work in partnership with credit systems support team to implement key credit
policy criteria in relevant credit acceptance & evaluation systems
\xef\x82\xb7 Assist in developing and implementing training programs to improve the quality
and productivity of the team

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