Job Description:- Responsible for defining the credit underwriting framework for new as well as existing to bank customers - Defining the strategies for Credit Approval and Credit Limit assignment - Monitoring & meeting the acquisition vintage risk levels within the risk appetite - High end analytics required for management of risk levels, approval rate, and customer credit profile. Providing data extraction, analysis, and visualization to support company-wide decision making - Portfolio management, limit management of the existing card portfolio - Ownership of the cross-sell UW engine – generating eligible customer base for CRM/sales teams - Development, testing, and deployment of policy changes in underwriting decision engine (Blaze) - Close cooperation with business teams like Sales, CRM, Marking, Digital, and Data Science - Working closely with Finance to provide inputs for budgeting, pricing, regulators - Leveraging big data sources like credit bureau data, SDK data, telecom data, Geo data etc. in UW strategies - Engagement with collections department to optimize the risk levels – proving inputs on sourcing quality trends , key UW changes etc. - Analyze data (customer/portfolio/retailer) to identify early warning signals and proactively provide feedback to Anti-Fraud Head to take corrective actions - Working Experience with Tableau and SQL is a must.
Job Title
Risk Policy Manager-Two-Wheeler Loans