Senior Manager

Home Credit; Gurugram District; Hybrid; INR 1,200,000 - 2,100,000; Full time

Job summary

Home Credit is seeking a risk management professional to analyse and monitor retail loan portfolios, including credit cards and personal loans. The role focuses on identifying dependencies in portfolio behaviour, developing standardized reports, and providing data-driven insights to support decision making across departments.

You will participate in forecasting, budgeting and risk mitigation initiatives, coordinating with Finance, Underwriting and Fraud teams to maintain portfolio health and

Qualifications

• Experience in retail loan risk management and analytics.
• Strong understanding of risk metrics and reporting.
• Proven ability to work with cross-functional teams.

Responsibilities

• Analysing and monitoring of loan portfolio risk performance for retail loans.
• Identify and measure dependencies of portfolio behaviour.
• Develop standardized regular and ad-hoc reporting for management.
• Providing data extraction, analysis and visualization to support company-wide decision making.
• Forecasting, planning and budgeting for Risk Function and tracking performance against budget.
• Regular communication with Underwriting, Anti-fraud, Collections and other departments.

Skills

Portfolio risk analysis

Data analysis

Forecasting

Risk monitoring

Tools

SQL

Python

Job description

• Analysing and monitoring of loan portfolio risk performance specifically retail loans such as credit cards and personal loans
• Identify and measure the dependencies of portfolio behaviour
• Prepare and document policy changes or new products in cooperation with Risk units and other departments
• Developing standardized regular and ad-hoc reporting for various levels of management
• Providing data extraction, analysis and visualization to support company-wide decision making
• Communication with Finance on conciliation of risk related financial metrics
• Propose challengers to existing strategy, document it and evaluate performance
• Forecast, planning, budgeting for Risk Function, track actual performance against budget, calculate risk losses
• Cooperate on risk related projects such as NPA Flagging, ICAAP, Interest Rate Risk Pricing Model
• Regular communication with Underwriting, Anti-fraud, Collections and other Departments and teams
• Regular update to CRO about events, activities and initiatives
• Escalate risks and issues to appropriate level of management
• Effectively communicate relevant information to CRO and to Headquarters
• Involved in framing retail credit policies, underwriting procedures, creation and maintenance of MISs and portfolio analytics.
• Contributes to the development of annual plans and also involved in the credit approval process and subsequent implementation of approved facilities in order to maintain a healthy credit portfolio.
• Monitors portfolio performance and reviews policies to ensure competitiveness and health of portfolio.
• Estimates future loss probability for existing products as well as pilots. Create risk benchmarks for pilot products and monitor actuals versus assumed.
• Deeply involved with provisioning and impairment estimates for current and future portfolios. Locally manage provisioning models. Good knowledge of IFRS 9 provisioning concepts
• Risk SPOC for major inter-department initiatives.

• Analysing and monitoring of loan portfolio risk performance specifically retail loans such as credit cards and personal loans
• Identify and measure the dependencies of portfolio behaviour
• Prepare and document policy changes or new products in cooperation with Risk units and other departments
• Developing standardized regular and ad-hoc reporting for various levels of management
• Providing data extraction, analysis and visualization to support company-wide decision making
• Communication with Finance on conciliation of risk related financial metrics
• Propose challengers to existing strategy, document it and evaluate performance
• Forecast, planning, budgeting for Risk Function, track actual performance against budget, calculate risk losses
• Cooperate on risk related projects such as NPA Flagging, ICAAP, Interest Rate Risk Pricing Model
• Regular communication with Underwriting, Anti-fraud, Collections and other Departments and teams
• Regular update to CRO about events, activities and initiatives
• Escalate risks and issues to appropriate level of management
• Effectively communicate relevant information to CRO and to Headquarters
• Involved in framing retail credit policies, underwriting procedures, creation and maintenance of MISs and portfolio analytics.
• Contributes to the development of annual plans and also involved in the credit approval process and subsequent implementation of approved facilities in order to maintain a healthy credit portfolio.
• Monitors portfolio performance and reviews policies to ensure competitiveness and health of portfolio.
• Estimates future loss probability for existing products as well as pilots. Create risk benchmarks for pilot products and monitor actuals versus assumed.
• Deeply involved with provisioning and impairment estimates for current and future portfolios. Locally manage provisioning models. Good knowledge of IFRS 9 provisioning concepts
• Risk SPOC for major inter-department initiatives.
• Working experience with SQL and Python required