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LiquiLoans - Manager/Senior Manager - Credit Policy (3-6 yrs)

3-6 years

LiquiLoans - Manager/Senior Manager - Credit Policy (3-6 yrs)

Liquiloans

posted 2mon ago

Job Description

Manager/Senior Manager - Credit Policy


Roles and Responsibilities:


1. Establish credit risk assessment criteria and methodologies to evaluate the creditworthiness of potential borrowers.

2. Identify credit policy improvements to improve approval rates and reduce NPA.

3. Develop and refine credit scoring models and decisioning processes.

4. Perform monthly reviews of credit policies to analyze month on month movement of approval rates, bounce rates and roll forward rates, perform gap analysis to AOP and deep dive into problem solving.

5. Perform Competition benchmarking and identify areas of improvement in credit risk assessment.

6. Establish underwriting guidelines and criteria for approving or denying credit applications. Review Credit Underwriting SOPs for manual underwriting along with Credit Underwriting managers.

7. Implementation and monitoring of systems and infrastructure for Credit Risk Evaluation along with product and other risk sub-units

8. Aligning product pricing for Personal Loans and Two Wheeler Loans, to the AOP goals

9. Balance risk considerations with the need to provide a positive and streamlined experience for customers during the credit application process.

10. Monitoring and review of Credit Line limit and pricing across borrower segments and dealer

11. Ensure minimal drop-offs due to pricing and limit availability while ensuring risk coverage.

12. Analyze the performance of the existing credit portfolio, identifying trends and areas of concern.

13. Implement systems and processes to monitor credit exposures and track key credit underwriting metrics.

14. Provide insights and recommendations for optimizing the credit portfolio to business teams.

15. Generate regular reports for senior management and stakeholders on the credit portfolio's performance and risk profile.

Skills Required:

- Knowledge of Risk Identification & Mitigation.

- Problem solving abilities/approach.

- Analytical thinking and business Acumen knowledge.

- Education - BE, BTech, MBA, CA

- Experience - 3-6 Years

- Prior experience in Policy Management, Risk Scoring Frameworks, Policy Monitoring


Functional Areas: Accounting/Finance

Read full job description

Prepare for Senior Manager Credit roles with real interview advice

Top Liquiloans Senior Manager Credit Interview Questions

Q2. Libraries and concepts of Laravel Design Patterns
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What people at Liquiloans are saying

Senior Manager Credit salary at Liquiloans

reported by 2 employees
₹4.5 L/yr - ₹5.8 L/yr
62% less than the average Senior Manager Credit Salary in India
View more details

What Liquiloans employees are saying about work life

based on 131 employees
63%
42%
70%
100%
Flexible timing
Monday to Saturday
No travel
Day Shift
View more insights

Liquiloans Benefits

Submitted by Company
Health Insurance
Soft Skill Training
Team Outings
Work From Home
Job Training
Submitted by Employees
Work From Home
Job Training
Team Outings
Soft Skill Training
Cafeteria
Free Transport +6 more
View more benefits

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Liquiloans Mumbai Office Location

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Mumbai Office
Headquarter
Redbrick Offices, Tex Center, E Wing, Chandivali, Saki Village, Chandivali Farm Road Mumbai
400072

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