Digital Personal Loan Manager

Finkurve; Mumbai; On-site; INR 1,800,000 - 2,500,000; Full time

Job summary

Finkurve in Mumbai seeks an experienced credit risk professional to monitor and optimize credit risk policies for digital personal loan products. You will review BRE performance, approval rates, and portfolio quality to balance growth and risk while defining underwriting standards and customer eligibility criteria with internal teams and partner banks.

The role requires ensuring compliance with co-lending agreements and regulatory guidelines for digital lending, supporting portfolio reviews, and

Qualifications

• Experience in credit risk management for digital lending preferred.
• Hands-on experience with automated underwriting systems and BRE is a plus.

Responsibilities

• Monitor and manage credit risk policies for digital personal loan products.
• Review BRE performance, approval rates, and portfolio quality to balance growth and risk.
• Define and monitor underwriting standards and customer eligibility criteria.
• Review and update credit decision rules based on portfolio performance and risk trends.
• Coordinate with partner banks on underwriting standards and risk-sharing arrangements.
• Ensure compliance with co-lending agreements and operational processes (SLAs).
• Support periodic portfolio reviews with lending partners and recommend corrective actions.
• Recommend policy enhancements based on customer behavior and portfolio performance.

Job description

Key Responsibilities

• Monitor and manage credit risk policies for digital personal loan products.
• Review Business Rule Engine (BRE) performance, approval rates, and portfolio

quality to ensure an optimal balance between growth and risk.

• Define and monitor customer eligibility criteria, underwriting standards, and

overall risk appetite.

• Review and update credit decision rules based on portfolio performance and risk

trends.

• Coordinate with partner banks on underwriting standards and risk-sharing

arrangements.

• Ensure compliance with co-lending agreements and operational processes.
• Monitor adherence to jointly agreed credit policies and service-level agreements

(SLAs).

• Support periodic portfolio reviews with lending partners and recommend

corrective actions where required.

• Recommend policy enhancements based on customer behavior, portfolio

performance, and emerging risk trends.

• Optimize the balance between loan approvals and expected credit losses.
• Ensure lending practices comply with applicable regulatory requirements,

including digital lending guidelines.

• Support internal and external audits by providing required documentation and

ensuring policy adherence.

• Conduct regular reviews and updates of underwriting policies to maintain

portfolio quality and business objectives.

Experience

• 310 years of experience in unsecured digital lending (Personal Loans) within

a FinTech, NBFC, or Bank.

• Hands-on experience with automated underwriting systems and Business

Rule Engines (BRE).

• Experience managing co-lending portfolios with partner banks is highly

desirable.