Manager / Assistant Manager - Credit Policy

Role & responsibilities Key highlights of the role are listed below (purely indicative and not limiting): This position would include the mentioned set of responsibilities but not limited to:

• Research and evaluate creditworthiness for various upcoming partnerships (with/without FLDG)
• Negotiate and agree on lending norms with cobranding partners in alignment with the overall organisational risk appetite
• Develop and implement credit policies and procedures to ensure creditworthiness and minimize risk of financial loss
• Overall Portfolio Risk monitoring and performance review
• Collaborating with relevant stakeholders including Partners, Business Team, Operations, tech and other support team to implement policies for launching partnerships.
• Interaction with Analytics, Underwriting, Sales, Marketing, Product, Operations and Collections teams for a 360degree portfolio approach
• Conduct thorough assessments of potential risks and develop strategies to minimize credit-related challenges
• Collaborate with internal teams, including finance, legal, and compliance, to communicate risk-related findings and ensure alignment with organizational goals
• Identify areas for continuous improvement in risk and credit management processes
• Compliance and regulatory adherence: stay updated on evolving credit regulations and ensure the credit operations comply with relevant laws and industry standards.

Applicants should possess the following attributes: Technical Skill:

• Experience in Credit Risk, policy implementation in LOS is a must
• Strong hold in MS Excel and PowerPoint presentations
• Basic knowledge of SQL/Python or other related language will be an added advantage
• Experience in credit analysis, risk assessment, and understanding of Delinquency management.
• Understanding of Bureau reports in relation to customer profile and various risk alerts.

Other Skills:

• Capability to understand the complex issues and come up with mitigants /solutions

Ability to think strategically

• Understanding of process, functions and regulations in lending business
• Excellent interpersonal, communications and presentation skills with ability to

work cross-functionally, across different business areas and hierarchy, and to synthesize detailed

information.