Credit Policy Manager – Personal Loan Kairos Consulting

The Corporate Institute; Mumbai; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

The Corporate Institute in Mumbai seeks a Credit Policy / Credit Strategy professional focused on Personal Loans to develop and review credit policies, underwriting strategies and portfolio monitoring. The role emphasizes driving digital credit decisioning and ensuring compliance with risk frameworks.

You will collaborate with business, product, technology, risk and compliance teams to translate credit requirements into system and process changes, BRD/UAT deliverables, and ongoing policy

Qualifications

• Experience in Personal Loan (PL) Credit Policy, Credit Strategy or Underwriting.
• Hands-on BRD preparation and UAT.
• Exposure to digital lending, automated underwriting, credit rules and STP.

Responsibilities

• Develop and review credit policies and underwriting strategies for Personal Loans.
• Monitor portfolio performance and risk metrics, driving policy improvements.
• Lead digital credit decisioning initiatives and ensure policy alignment with risk limits.
• Collaborate with Business, Product, Technology, Risk and Compliance teams to implement changes.

Skills

PL Credit Policy

Credit Strategy

Underwriting

BRD & UAT

Digital Lending

Job description

Credit Policy / Credit Strategy – Personal Loans

Looking for a Credit Policy/Strategy professional with experience in Personal Loans/Consumer Lending. The role involves developing and reviewing credit policies, underwriting strategies, portfolio monitoring and driving digital credit decisioning.

Key Requirements:

• Experience in PL Credit Policy / Credit Strategy / Underwriting
• Hands-on experience in BRD preparation and UAT
• Exposure to digital lending, automated underwriting, credit rules/rule engines and STP
• Strong understanding of credit risk, bureau data and portfolio performance
• Experience working with Business, Product, Technology, Risk and Compliance teams
• Ability to drive policy changes and translate credit requirements into system/process implementation