Manager - Risk Analytics & ICQ

Tata Capital; Thane; On-site; INR 1,800,000 - 2,600,000; Full time

Job summary

Tata Capital in India is seeking an experienced Risk Modeling professional to lead the development, implementation and review of credit risk models and frameworks for rural/semi-urban lending, in coordination with the data science team.

You will monitor risk strategies across acquisition, underwriting, cross-sell and collections, review portfolio quality using risk metrics, and prepare MIS dashboards for senior management.

Qualifications

• MBA from a reputed institute.
• Experience in managing risk in a Bank/NBFC.
• Excellent in understanding data & bringing insights. Advance knowledge of excel required.
• Sound knowledge of statistical models.
• Experience in microfinance/inclusive finance will be an added advantage.

Responsibilities

• Development, Implement and Review of Credit Risk Models & Associated Frameworks in an unsecured rural/semi-urban lending context in coordination with data science team.
• Implement & Monitor Credit Risk strategies across the lending life cycle - acquisition, underwriting, cross-sell & collections.
• Review portfolio on periodic basis across various risk metrices for early warning signals and analyze portfolio trends to track portfolio quality on accepted risk parameters.
• Ensure risk policies are timely reviewed and reflect the dynamic external environment and internal risk appetite.
• Analyze industry data on a scale, preparation of MIS/Dashboards and apprising senior management on changing market conditions.
• Regular review of processes for adherence on risk policies and check if controls are effectively in place and working.
• Visit branches on regularly basis and evaluate the portfolio quality and adherence to policy norms.
• Coordinate with Various internal teams such as Quality Control, Product, Business, IT, Data Science team for strengthening of risk framework.

Skills

Risk Management

Data Insight

Excel (Advanced)

Statistical Modelling

Education

MBA

Tools

Excel

Job description

Responsibilities:

• Development, Implement and Review of Credit Risk Models & Associated Frameworks in an unsecured rural/semi-urban lending context in coordination with data science team
• Implement & Monitor Credit Risk strategies across the lending life cycle - acquisition, underwriting, cross-sell & collections
• Review portfolio on periodic basis across various risk metrices for early warning signals and analyze portfolio trends to track portfolio quality on accepted risk parameters.
• Ensure risk policies are timely reviewed and reflect the dynamic external environment and internal risk appetite.
• Analyze industry data on a scale, preparation of MIS/Dashboards and apprising senior management on changing market conditions.
• Regular review of processes for adherence on risk policies and check if controls are effectively in place and working.
• Visit branches on regularly basis and evaluate the portfolio quality and adherence to policy norms.
• Coordinate with Various internal teams such as Quality Control, Product, Business, IT, Data Science team for strengthening of risk framework.

Eligibility Criteria:

• MBA from a reputed institute
• years of experience in managing risk in a Bank/NBFC
• Excellent in understanding data & bringing insights. Advance knowledge of excel required
• Sound knowledge of statistical models
• Experience in microfinance/inclusive finance will be an added advantage