Enhancing underwriting and portfolio management risk policies through the application of analytics and strategies for consumers and eco-system partner portfolios.
Regularly scrutinizing portfolio risk reports, utilizing them to identify and seize opportunities for improving credit efficiency.
Providing ad-hoc credit risk assessments to key stakeholders.
Developing and executing early warning triggers and playbook to address risk concerns promptly.
Assisting in product and credit program development, reviewing and estimating risk parameters, product pricing, structure, and ensuring regulatory compliance.
Collaborating with potential partners to drive business agenda, ensuring optimal risk and profitability economics.
Managing expectations and discussions with external stakeholders effectively.
Mentoring and guiding junior risk members in the team.
Qualifications
The Must Haves:
A Master’s/Bachelor’s degree in a related domain, preferably in Statistics, Mathematics, Economics.
Minimum of 10 - 12 years of experience in roles such as Credit Underwriting, MIS Reporting, Credit Policy, or Credit Analytics; preferably with managerial experience of at least 2+ year.
Strong analytical skills with a capacity to collect, organize, and analyze vast amounts of data with meticulous attention to detail.
Comprehensive understanding of the retail banking customer credit life cycle, including origination and portfolio management; with prior experience in consumer lending (preferably credit cards/ personal loans/ Buy now pay later).
Self-driven, independent learner with a keen interest in team collaboration.
Detail-oriented and efficient time manager who thrives in a rapidly changing and dynamic working environment.
Demonstrated proficiency in verbal and written communication.
Prior hands-on experience with Python will be a distinct advantage.
