Assistant Vice President – Credit & Portfolio Risk – Unsecured Lending Impeccable HR Consulting

The Corporate Institute; Pune District; On-site; INR 1,000,000 - 1,800,000; Full time

Job summary

The Corporate Institute in Pune, India seeks an experienced Senior Credit / Portfolio Risk professional to lead risk strategy for an unsecured lending portfolio in a fast-growing financial services business.

You will own portfolio risk strategy, monitor key risk metrics, drive segmentation and decisioning, and present insights to senior management. Strong SQL/Python/Excel/BI skills and 8+ years in credit risk are required.

Qualifications

• 8+ years of credit/portfolio risk experience.
• Strong unsecured lending/personal loan experience.
• Hands-on portfolio risk management experience.
• Strong understanding of credit risk metrics and portfolio analytics.
• Experience in risk segmentation and strategy optimization.
• Strong stakeholder management and analytical skills.
• Exposure to co-lending / lending partner portfolios is an advantage.
• SQL / Python / Advanced Excel / BI exposure preferred.

Responsibilities

• Own and drive portfolio risk strategy for unsecured lending.
• Monitor PAR, delinquency, roll rates, bounce, flow rates, vintage/MOB and EWS.
• Drive portfolio segmentation and risk-based decisioning.
• Identify portfolio deterioration and recommend corrective actions.
• Work with Credit, Collections, Business, Product, Analytics & Technology teams.
• Drive collections strategy and treatment optimization.
• Analyse credit cost/loss and portfolio quality.
• Develop portfolio dashboards, MIS and risk monitoring frameworks.
• Recommend improvements to credit policies, underwriting parameters and risk triggers.
• Present portfolio insights and risk recommendations to senior management.

Skills

Credit risk strategy

Portfolio risk management

Risk analytics

Stakeholder management

Unsecured lending

Personal loans

Tools

SQL

Python

Advanced Excel

BI tools

Job description

About the Role:

We are looking for a Senior Credit / Portfolio Risk professional to lead risk strategy for an unsecured lending portfolio with a fast-growing financial services business.

What will you do:

• Own and drive portfolio risk strategy for unsecured lending.
• Monitor PAR, delinquency, roll rates, bounce, flow rates, vintage/MOB and EWS.
• Drive portfolio segmentation and risk-based decisioning.
• Identify portfolio deterioration and recommend corrective actions.
• Work with Credit, Collections, Business, Product, Analytics & Technology teams.
• Drive collections strategy and treatment optimization.
• Analyse credit cost/loss and portfolio quality.
• Develop portfolio dashboards, MIS and risk monitoring frameworks.
• Recommend improvements to credit policies, underwriting parameters and risk triggers.
• Present portfolio insights and risk recommendations to senior management.

Ideal candidate:

• 8+ years of Credit / Portfolio Risk experience.
• Strong unsecured lending / Personal Loan experience.
• Hands-on portfolio risk management experience.
• Strong understanding of credit risk metrics and portfolio analytics.
• Experience in risk segmentation and strategy optimization.
• Strong stakeholder management and analytical skills.
• Exposure to co-lending / lending partner portfolios is an advantage.
• SQL / Python / Advanced Excel / BI exposure preferred.