Deputy National Lead - Risk

Manage and enrich Franchise customer data of 55 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 Internal Sources & 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
3. PRINCIPAL ACCOUNTABILITIES
(Accountabilities associated with the job)

Data Quality, Data Standardization & New Data Enrichment Management
o Data Standardization & Data Quality
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 Define SOP & rules for duplicate identification and resolution
o Define validation rules for data fields to ensure that junk data does not enter the repository
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 field quality validations and create data quality index
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 Governance of New Data element or New Data Source
o Work with IT BIU team in creation of Real Time Data Quality dashboards
o Responsible for ensuring error rates in Data Quality are maintained within threshold levels
o Work with IT BIU team in creation of Data Confidence & Fill Rate dashboards
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 and confidence levels for any variable brought into the single repository
o Responsible to ensure that the data tables have no data quality issues
o Evaluate address level data quality with maker checker as per lat/long available.

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

o BIU/ Reports
o Identify KPI of franchise data & Create Control Charts for same.
o Create Power BI dashboard basis KPI Tracking with the help of team
o Co-ordinate with IT BIU team in creation of Real Time Data Quality dashboards
o create data quality index
o Responsible for ensuring error rates in Data Quality are maintained within threshold levels with help of reports
o Governance dashboards of New Data element or New Data Source control checks
o Automation of Daily processes
o Control checks on data quality management done through Bareily shop

Stakeholder Management
Setup and convene Change Control Board meeting with all stake holders across all businesses and functions
Engaging with Data Partnership team for Data quality and Data Offer team for usage of data for offer generation
Engaging with EDW team for creating and managing tables| Team development
Identify the right talent at positions within the function
Establish individual performance expectations and regularly review individual performance of the team
Identify development needs of teams and provide appropriate opportunities (trainings for professional development etc.) to ensure teams are motivated and equipped to drive business|MAJOR CHALLENGES
(Challenges faced on an on-going basis in carrying out the job)
Working with extremely large data sets
Co-ordination with multiple stakeholders
Clean up of existing data in BAU as well as create the new framework of data storage

5. DECISIONS
(Key decisions taken by job holder at his/her end)
Following decisions are taken by the role:
Quality of Partners for onboarding
Design of data storage table
Addition of new data sources
Data quality validations

6. INTERACTIONS
(Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job)

Internal Clients
Roles you need to interact with inside the organization to enable success in your day to day work
Risk Heads - Key customers of enriched data to understand data quality
IT BIU and EDW team - Maintaining repository and Data Quality dashboards
3in1 team - Data enrichment through Update & Earn POD
Credits Ops - Data enrichment through Bareily shop

External Clients
Roles you need to interact with outside the organization to enable success in your day to day work
Data Partners - For data quality activity

7. DIMENSIONS
(Key numerical data which will reflect the scope and scale of activities concerning this job)

Financial Dimensions (FY 19)
(These should be quantifiable numerical amounts)
Spend Budget - 10 Cr
Pre-Approved Offers - 20 Cr
Instant Disbursal Offers - 1 Cr

Other Dimensions (FY 19)
(Significant volume dimensions associated with the job)
Total Team Size: 10
Number of Direct Reports: 4
Number of Indirect Reports: 6
Number of Outsourced employees: 0

Required Qualifications and Experience
Educational Qualifications
a) Qualifications
Post-graduation/ MBA/ Educational background in mathematical, statistical and data science orientations
b) Work Experience
Minimum 7+ years of experience in SQL/EDW management
Experience with large data handling and quantitative analysis
Good to have knowledge of Azure Databricks
Exposure to data analytics tools (Eg. SAS, SQL, Python and Decision Tree) automated BI reports
Good to have knowledge of Power BI/SSIS/SSRS
Strong Problem-solving ability and analytical skills