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DMI Finance - Manager - Credit Risk (3-7 yrs)

3-7 years

DMI Finance - Manager - Credit Risk (3-7 yrs)

Dmi Finance

posted 2mon ago

Job Description

Manager- Credit Risk


Job Description:


Incumbent will be handling Secured (EV Financing) & Unsecured Loan-Risk & Policy for 1 or more Consumption and Personal loans portfolios. Incumbent is also expected to help maintain minimum loss rates for Loan portfolios and at the same time figure out opportunities to increase portfolio size.

Job Description:


Data Analytics:

- Analyze data to identify high risk segments to limit and decrease loss rates.

- Perform exploratory data analysis to identify interesting data trend/ insights.

- Carry out deep dive analysis on data to identify cross-sell or product bundling opportunity.

Model Validation:

- Build/Validate statistical scoring models on Secured & Unsecured lending portfolios that would aid in customer segmentation.

Policy formulation:

- Develop new policies for new partners and channels for EV financing of retail, DCO, fleet, and leasing programs.

- Review and update policies for existing partners in case of any change.

- Work with tech team to design test and implementation for any changes (partner related or regulatory) in policies.

Portfolio Management:

- Constantly evaluate portfolio performance.

- Benchmark to Industry Standards.

Loss Management:

- Monitor CL & PL portfolio on a daily/weekly basis for any increase in risk (loss rates).

- Forecast loss for CL & PL portfolios.

Stakeholder Management:

- Interacting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms.

- Lead discussions with external stakeholders/channel partners during engagement calls.

Qualifications:

- Minimum Qualification: Bachelor of Engineering/Postgraduate in Finance/Statistics/Data (with knowledge of Statistics and Python/R).

- Preferred Qualification: MS/MBA (with knowledge of Statistics and Python/R)

Work Experience:

- 3-7 years

- Experience in Risk Management.

- Experience in unsecured lending

- Good to have experience in secured lending.

- Skills: R/Python, SQL , Advanced Excel including Pivot Tables.


Functional Areas: Accounting/Finance

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What people at Dmi Finance are saying

Credit Manager salary at Dmi Finance

reported by 1 employee with 7 years exp.
₹3.7 L/yr - ₹4.7 L/yr
45% less than the average Credit Manager Salary in India
View more details

What Dmi Finance employees are saying about work life

based on 107 employees
58%
79%
54%
100%
Flexible timing
Monday to Friday
No travel
Day Shift
View more insights

Dmi Finance Benefits

Submitted by Company
Family Time
Continuous Learning
Modern Workspaces
Engaging Environment
Comprehensive Cover
Casual Dress Code
Submitted by Employees
Health Insurance
Work From Home
Team Outings
Cafeteria
Soft Skill Training
Child care +6 more
View more benefits

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