Director Credit Policy

  • Full Time
  • Anywhere

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

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