DMI Finance - Assistant Vice President/Senior Manager - Consumer Loans - Digital Retail Lending/Banking (8-10 yrs)

AVP/SM Consumer Loans - Digital Retail Lending

Control and monitor consumer loans portfolio (CL) on daily/weekly/monthly basis to maintain the lowest loss rates by continuously analyzing, identifying, and eliminating the high- risk segment from portfolio.

Loss Management :

- Monitor TTD on weekly/monthly basis and identify high risk segments as per the performance.

- Control and minimize bounce rate (both technical and non-technical) to the acceptable rate.

- Reduce Non-Starters and loss rates.

- Review the portfolio on a Cohort and Co-incidental level and suggest/propose policy actions at Partner level.

- Forecast loss basis the actuals and prepare/provide the action plan on policy norms.

- Evaluate and set benchmarks at a portfolio level.

Channel Partner Management :

- Review existing partner's policy norms and propose changes as per the portfolio performance.

- Interact with new channel partner and build policies as per their product contours.

- Implement the policies in system with the help of IT.

- Review of partners performance on delinquency monthly.

Reporting and Analytics :

- Develop and prepare various type of daily/weekly/monthly MIS for tracking performance.

- TTD reports.

- Bounce reports.

- Non-starters.

- Cohort level reports.

- EWS.

- CIR reports.

- Identify and implement fraud control solutions which help in controlling loss.

- Work with the Data Science team to implement credit models.

External & Internal Audit :

- Conduct Internal audit of processes and policies through automated reports.

- Oversee, plan and coordinate RBI audits.

IT and Data Management :

- Set processes for capturing right data at right place which will help in extracting the data and analyzing the portfolio for improving the loss rates.

- Work with IT team for implementing the validation rules at field level in system for data management.

- Design and Automate weekly/monthly MIS.

- Integrate policies at system for new and existing partners.

Educational Qualifications :

- Minimum Qualification required: Postgraduate in Finance/Statistics/Data.

Qualifications preferred : Post- Graduate

Other soft skills/competencies> : Data analytics including knowledge of Python, R, SQL, Knowledge seeker and other financial tools.