LiquiLoans – Manager/Senior Manager – Credit Policy

Liquiloans; Mumbai; Sur place; INR 800 000 - 1 200 000; Plein temps

Résumé du poste

A leading financial services provider based in Mumbai is seeking a Manager/Senior Manager for Credit Policy. The ideal candidate will establish credit risk assessment criteria, develop and refine credit scoring models, and monitor the credit portfolio's performance. A background in Policy Management with 3-6 years of experience is required, along with relevant qualifications such as BE, BTech, MBA, or CA. Competitive compensation and growth opportunities provided.

Qualifications

• Minimum 3 years of experience in Policy Management.
• Experience in Risk Scoring Frameworks.
• Familiarity with Policy Monitoring.

Responsabilités

• Establish credit risk assessment criteria and methodologies.
• Identify credit policy improvements.
• Develop and refine credit scoring models.
• Monitor and review Credit Line limits across segments.

Connaissances

Risk Identification & Mitigation

Problem solving abilities

Analytical thinking

Business Acumen

Formation

BE or BTech or MBA or CA

Description du poste

Manager/Senior Manager – Credit Policy

Roles and Responsibilities:

1. Establish credit risk assessment criteria and methodologies to evaluate the creditworthiness of potential borrowers.

2. Identify credit policy improvements to improve approval rates and reduce NPA.

3. Develop and refine credit scoring models and decisioning processes.

4. Perform monthly reviews of credit policies to analyze month on month movement of approval rates, bounce rates and roll forward rates, perform gap analysis to AOP and deep dive into problem solving.

5. Perform Competition benchmarking and identify areas of improvement in credit risk assessment.

6. Establish underwriting guidelines and criteria for approving or denying credit applications. Review Credit Underwriting SOPs for manual underwriting along with Credit Underwriting managers.

7. Implementation and monitoring of systems and infrastructure for Credit Risk Evaluation along with product and other risk sub-units

8. Aligning product pricing for Personal Loans and Two Wheeler Loans, to the AOP goals

9. Balance risk considerations with the need to provide a positive and streamlined experience for customers during the credit application process.

10. Monitoring and review of Credit Line limit and pricing across borrower segments and dealer

11. Ensure minimal drop-offs due to pricing and limit availability while ensuring risk coverage.

12. Analyze the performance of the existing credit portfolio, identifying trends and areas of concern.

13. Implement systems and processes to monitor credit exposures and track key credit underwriting metrics.

14. Provide insights and recommendations for optimizing the credit portfolio to business teams.

15. Generate regular reports for senior management and stakeholders on the credit portfolio’s performance and risk profile.

Skills Required:

– Knowledge of Risk Identification & Mitigation.

– Problem solving abilities/approach.

– Analytical thinking and business Acumen knowledge.

– Education – BE, BTech, MBA, CA

– Experience – 3-6 Years

– Prior experience in Policy Management, Risk Scoring Frameworks, Policy Monitoring