DMI Finance - Senior Manager - Credit Underwriting - MSME - Digital Lending (5-7 yrs)

Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of MSME loans through digital and physical journeys. The purpose is to frame underwriting policies, underwrite large ticket size loans, case presentation to management, monitor the portfolio and to integrate the new partnerships

PRINCIPAL ACCOUNTABILITIES:

1. Underwriting Policies:

- Working on solutions for credit underwriting basis different product constructs term loans, supply chain financing & leasing.

- Defining the underwriting processes & policies for large ticket size loans

- Closely work with Data Science team to analyze the underwriting models prepared by them and validate the performance of the same on current portfolio

- Determining performance benchmarks and identify course of action in case of breach

- Automation of underwriting processes to ensure minimal manual Intervention in assessing the creditworthiness

- Determining the right pricing basis segmentation

- Working on standardization of policies and processes.

2. Performance monitoring:

- Portfolio Analysis and recommending the policy changes to Policy head basis the outcome of the analysis

- Periodical credit review of the existing portfolio and conducting various analysis to identify the high-risk segments.

- Taking actions to mitigate the risks identified based on portfolio performance

- Monitor the delinquent accounts to ensure the achievement of company standards/benchmark of the delinquency.

- Identifying solutions to improve existing processes and overall portfolio management functions

- Analysis of various MIS to monitor portfolio performance and risk.

3. New Partner Integrations:

- Understanding the product being offered by the new channel partner and the segment being catered to.

- Understanding the journey, identifying the set of information available with the channel partner and requisitioning the set of data to be provided at time of application

- Creation of policy basis the product, information available and prevailing models

- Formulation of policy keeping the expected loss rates in consideration

- Monitor the implementation of policy.

- Defining the underwriting processes

4. Relationship Management:

- Managing relations with credit reporting agencies and assisting in all credit operations of the company