Deputy Unit Manager - Risk

    

Job Purpose  
Manage and enrich Franchise customer data of 72 Cr to enable creation and generation of Pre-Approved offers, improve Approval rates by enriching data through verified sources and enable instant disbursals by continuously improving fill rates of verified information to help scale volumes in 3in1 App.
Responsible for identifying data requirements and evaluating quality of data sourced through external vendors.
This capability will help build scale on 3in1 App of the Company and targets to improve Market share of the Company by 10% from current levels at the same portfolio risk levels    

Duties and Responsibilities  
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 Data Quality - New Data Enrichment Management
o Data Standardization & Data Quality
o Data Enrichment of Franchise base basis internal & External Sources
o Responsible for end-to-end Data Quality & Data Enrichment, Validation & Verification for variables
o Prepare BRD and User Story for development of Internal Data Storage design that enables to maintain every data point received with tagging of Source, time, Verified / Non-Verified data and Confidence level of the same.
o Define validation rules and confidence levels for any variable brought into the single repository.
o Define logic for flagging of Confidence levels for the data fields to enable end users of the data to use the data as per their confidence flagging.
o Data verifications as per Confidence Flagging and insert into enrichment Mart
o Governance of New Data element or New Data Source
o Responsible for ensuring error rates in Data Quality are maintained within threshold levels
o Define SOP and scope of activities for Data Quality management through Manual intervention to be executed through outsourced Credit Ops shop in Bareily
o Control checks on data quality management done through Bareily shop
o Define validation rules for data fields to ensure that junk data does not enter the repository
o Responsible to ensure that the data tables have no data quality issues
o Ensure all Existing & Prospect records are maintained in a single repository
o All other data points related to these records and any data enrichment to be maintained in a single repository

o Data Enrichment
o Engage with Partnership team in validating the information is meeting the quality standards that have
been defined
o Will qualify whether data points from a Particular Partner or Source can be used for Enrichment
o Will also identify and maintain list of sources, websites which are to be used for Data Enrichment    

Key Decisions / Dimensions  
Following decisions are taken by the role:
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 Design of data storage table
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 Addition of new data sources
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 Data quality validations    

Major Challenges  
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 Working with extremely large data sets
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 Co-ordination with multiple stakeholders
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 Clean up of existing data in BAU as well as create the new framework of data storage    

Required Qualifications and Experience  
a) Qualifications
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 Post-graduation/ MBA with 3+ years experience in retail lending Risk
b) Work Experience
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 Minimum 2+ years of experience in SQL/ADB/Python/PySpark/EDW management
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 Experience with large data handling and quantitative analysis
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 Exposure to data analytics tools (Eg. SAS, SQL and Decision Tree) automated BI reports
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 Strong Problem-solving ability and analytical skills