Credit & Risk Manager

Job Duties and Responsibilities:

• To frame the credit policy (acquisition and account management policies), processes and workflow, assist in growth of the lending business.
• MSME, PL credit policy management and MIS analytics for portfolio monitoring and regular reviews
• Support implementation of credit decision module on Sentinel technology platform
• Partnership with product development, collections, systems and operations team to ensure product development and roll out objectives are met
• Experience in Digital Lending Domain
• Manage policy / processes for mainly Credit Policy and process for the consumer retail portfolio pan India.
• Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
• Design & manage MIS reporting for different portfolios - Gather risk/business requirements, interpret and analyze and present them to the Leadership through dashboards, visual reports etc.

Key Accountabilities:

• Portfolio performance monitoring through a structured early warning mechanism
• Assist on developing Fintech partnerships, vendor empanelment, UAT activities on system changes
• Compliance with all internal and RBI guidelines
• Ensure system changes keep pace with product development and ensure adequate controls