1.1 Job Overview:
● Designation : Director Collection Strategy
● Location :Ahmedabad/Bangalore
● Reporting to : Chief Credit and Risk
1.2 Core Responsibilities:
● Credit Policy: Formulation & implementation of underwriting strategy and changes in underwriting policy.
● Preparing and monitoring of Credit Risk Policy for SME segment
● Creating process notes for the credit underwriting
● Establishing a robust Credit Analytic Framework and formulating a credit risk process for the lending segment.
● Interacting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms.
● Analysing the market trends / practices and benchmarking of policies with the market.
● Underwriting of policy related deviations for the product and proposing policy renewals on a timely basis.
● Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control.
● Responsible for establishing proper risk management standards for the portfolio and facilitating the business team in identifying early warning signals and analysing quick mortality cases.
● Analysing the market trends/practices and benchmarking of policies with the market.
● Work closely with business, technology, and operations teams to gather the underwriting requirements.
● Cost Control: Credit Vendor Management.
1.3 What are we looking for?
● Excellent in MS Office products, especially Excel and PowerPoint
● Knowledge of Product formulation and management
● Team Management
● Good industry network to understand the methods being adopted by other NBFCs / banks.
● Strong organizational, managerial and project management skills
● Excellent interpersonal, verbal and written communication skills
● Ability to multitask
● Unsecured MSME policy experience is essential
