Job Description

Overall Purpose of the Role: Portfolio management and Analytics System implementation and enhancement Policy formulation Areas of Responsibility: Establish requirements for data maintenance and management and working with IT on implementation. Create Management reporting tools to monitor portfolio performance at portfolio segment (e.g., product, vintage, risk segment, score band, or marketing channel), vintage and account levels to identify positive and negative trends such as improved portfolio quality or heightened delinquencies and recommend strategy changes to the Business Preparation of review deck, detailed analysis on portfolio and presenting it to Management. Tracking performance against guardrails, analyze portfolio and macro-economic data to determine potential impact on business operations. Evaluate, implement and monitor internal & external credit scoring models Formulating Credit Policy and Operational Guidelines for Retail Lending business. Implementation of new policies in system: Closely work with IT team for implementation of product policies in system, review validations and suggest improvements to increase system efficiency. Managing Business rule engine Creating built-in mechanisms for adherence to the policy and highlighting any deviations that happen to concerned authorities at regular intervals. Qualification & Experience Required: Professional education in Financial stream 2-5 years of experience in Credit/ Risk Management. Ability to analyse information, problems, situations, and procedures from an operational perspective Proficient in Office Applications