VP Risk & Portfolio Management

Comviva; Gurugram District; On-site; INR 6,000,000 - 9,000,000; Full time

Job summary

Comviva in India seeks a VP, Risk & Portfolio Management to lead credit policy decisions across the customer lifecycle and jointly own Lending Portfolio P&L with the Africa Business team. The role focuses on ensuring risk-appropriate performance while seizing expansion opportunities across partner banks and telcos.

The incumbent will build credit strategies, monitor portfolio metrics, and drive governance with external partners.

Qualifications

• Deep knowledge of scorecards, credit policies and risk management in unsecured lending context.
• Experience leading an analytics-driven credit policy team for markets/products.
• Hands-on data extraction and modeling using SQL, Python and PySpark.

Responsibilities

• Build credit strategy to drive GTM, eligibility and limit/exposure decisions across loan life cycle.
• Partner with Africa business and product teams to optimize customer journey and drive uptake.
• Coordinate with external debt collectors and optimize collection rules to improve delinquency outcomes.
• Develop portfolio tracking metrics and reports leveraging existing tech team.
• Own Portfolio P&L KPIs and ensure governance with banks & telcos to meet targets.
• Create portfolio health metrics and govern data-driven insights.
• Collaborate with data science, product and operations teams for PDD processes.

Skills

Credit risk management

Credit policy development

Portfolio management

SQL

Python

PySpark

ML concepts

Data-driven decision making

Entrepreneurial drive

Tools

SQL

Python

PySpark

Big Data

Job description

Job Description for VP, Risk & Portfolio Management (relevant experience: 7-10 years)

The finance industry has ignored billions of deserving individuals. We are a mission driven team of finance, analytics and technology professionals, focused on driving financial inclusion to serve the underserved across their credit, savings and financial needs. This role will be accountable for the driving the credit policy decisions across the customer life cycle as well as jointly own the Lending Portfolio P&L with the Africa Business team, in ensuring acceptable risk performance as well as driving top line revenue targets by finding and executing on expansion opportunities across partner customer segments (banks and telcos).

Job Responsibilities

• 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