Credit Risk Policy Manager

Home Credit India; Gurugram District; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Home Credit India is seeking a senior professional to define the credit underwriting framework for bank customers and to set strategies for credit approval and limit assignments. You will monitor acquisition vintage risk within the risk appetite and provide analytics to support management decisions.

The role includes portfolio and limit management, ownership of the cross‑sell underwriting engine, and development of policy changes in Blaze.

Qualifications

• Responsible for defining the credit underwriting framework for new as well as existing to bank customers.
• Defining the strategies for Credit Approval and Credit Limit assignment.
• High-end analytics to manage risk levels, approval rate, and customer credit profile.

Responsibilities

• Monitor acquisition vintage risk levels within the risk appetite.
• Provide data extraction, analysis, and visualization to support company-wide decision making.
• Engage with Sales, CRM, Marketing, Digital and Data Science to align risk and business needs.
• Develop, test, and deploy policy changes in the underwriting engine Blaze.
• Collaborate with Finance and Collections to optimize risk and budgeting inputs.

Skills

Credit underwriting

Data analytics

Risk management

Stakeholder collaboration

CRM alignment

Tools

Tableau

SQL

Blaze

Job description

• Responsible for defining the credit underwriting framework for new as well as existing to bank customers
• Defining the strategies for Credit Approval and Credit Limit assignment
• Monitoring & meeting the acquisition vintage risk levels within the risk appetite
• High end analytics required for management of risk levels, approval rate, and customer credit profile. Providing data extraction, analysis, and visualization to support company-wide decision making
• Portfolio management, limit management of the existing card portfolio
• 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
• Engagement with collections department to optimize the risk levels – proving inputs on sourcing quality trends , key UW changes etc.
• Analyze data (customer/portfolio/retailer) to identify early warning signals and proactively provide feedback to Anti-Fraud Head to take corrective actions
• Working Experience with Tableau and SQL is a must.