VP Risk & Portfolio Management

Comviva; Gurugram District; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

Comviva is seeking a Senior Analytics Lead for Portfolio Strategy & Credit Policy in India. You will build credit strategy, set eligibility and exposure decisions across the loan lifecycle, and partner with Africa business and product teams to optimize customer journeys and communications through multiple digital channels.

You will oversee collection rules with external agencies, develop performance measurement frameworks, and ensure governance on KPI targets with banks and telcos.

Qualifications

• Deep knowledge of scorecards, credit policies and risk management in unsecured retail lending context.
• Led a small analytics-driven credit policy team
• Strong analytical thinking and problem-solving abilities; hands-on data extraction skills (SQL/Python).
• Experience with ML algorithms and using data to drive underwriting decisions.

Responsibilities

• Define and optimize portfolio credit policy and risk indicators for growth and governance.
• Lead portfolio performance monitoring, forecasting and governance frameworks.
• Collaborate with product, business and data science teams to iterate on credit constructs and campaigns.
• Own P&L-related KPIs for the credit portfolio and ensure alignment with banking/telco partners.

Skills

Credit policy leadership

Analytics driven team

Data-driven underwriting

Problem solving

Entrepreneurial drive

Tools

SQL

Python

PySpark

Job description

• Build credit strategy to drive the GTM strategy, customer eligibility and limit/exposure decisions through customer loan life cycle
• Partner with Africa business and product team to develop and optimize customer journey and ongoing communication to drive uptake, usage, credit education and repayment across multiple digital channels (SMS, USSD, OBD, Mobile App)
• Work with external debt collection agencies and optimize direct debit rules to drive collection effectiveness for delinquent customer segments and optimizing collection offers
• Building framework for measuring periodic performance of existing strategies Portfolio Monitoring, Forecasting & Governance
• Responsible for Portfolio P&L KPIs and ensure closed loop governance with banks & telcos to set and deliver on KPI targets
• Develop portfolio tracking metrics and design reports leveraging existing tech team
• Coordinate with partner team for due/ overdue PDD process. Propose and implement solutions to keep portfolio healthy interfacing data science, product and business operations team Comviva Internal
• Identify new customer segments and product constructs and suggest revenue enhancement opportunities
• Collaborate with product and business teams to develop and implement a "Test & Learn" agenda to continuously test new product constructs, refine offers and optimize the marketing effort/budget across the customer life cycle.

Key Responsibilities

Portfolio Strategy & Credit Policy

• Build credit strategy to drive the GTM strategy, customer eligibility and limit/exposure decisions through customer loan life cycle
• Partner with Africa business and product team to develop and optimize customer journey and ongoing communication to drive uptake, usage, credit education and repayment across multiple digital channels (SMS, USSD, OBD, Mobile App)
• Work with external debt collection agencies and optimize direct debit rules to drive collection effectiveness for delinquent customer segments and optimizing collection offers
• Building framework for measuring periodic performance of existing strategies Portfolio Monitoring, Forecasting & Governance
• Responsible for Portfolio P&L KPIs and ensure closed loop governance with banks & telcos to set and deliver on KPI targets
• Develop portfolio tracking metrics and design reports leveraging existing tech team
• Coordinate with partner team for due/ overdue PDD process. Propose and implement solutions to keep portfolio healthy interfacing data science, product and business operations team Comviva Internal

Growth Opportunities

• Identify new customer segments and product constructs and suggest revenue enhancement opportunities
• Collaborate with product and business teams to develop and implement a "Test & Learn" agenda to continuously test new product constructs, refine offers and optimize the marketing effort/budget across the customer life cycle.

Required Qualifications & Skills

• Deep knowledge of scorecards, credit policies and risk management in an unsecured retail lending context; defining underwriting strategy & exposure management and owning portfolio KPIs for risk & revenue
• Experience in leading a 2-3 member analytics driven credit policy team for specific markets/products; Hands on experience as a data driven credit strategy analyst to provide functional guidance to team
• Good analytical thought process and aptitude for problem solving ; Hands on experience in data extraction using SQL, Python and Pyspark SQL (Big Data Hadoop/Spark Stack)
• Passion for using data and algorithm to drive underwriting decisions; Previous exposure to ML algorithms (preferably multiple)
• Strong entrepreneurial drive

Good To Have

• Previous experience in managing P&L for credit portfolio
• Experience in working with credit card firm/Digital Lending firms
• Hands on experience in working with Telecom data