Manager/Senior Manager - Pune, India - iimjobs

    iimjobs
    iimjobs Pune, India

    2 weeks ago

    Iimjobs background
    Full time
    Description

    JD - Credit Risk Strategy:

    Role Details:

    The role is expected to use analytical tools to identify opportunities to grow overall assets as well as manage risk.

    It involves managing risk management framework across customer lifecycle - acquisition, portfolio management and collections, across retail lending products.


    Responsibilities :

    • Design, analyze, monitor credit risk strategies for different loan products such as personal loans, auto loans, etc.
    • Identify the opportunity areas for portfolio growth and proactively communicate with stakeholders
    • Collaborate across other risk functions (example technology, product, etc.) to implement the analytical decisions
    Understand existing underwriting rules, strategies and replicate them in business rules using SAS/SQL

    • Design and analyze income, employment, fraud verification strategies
    • Develop, maintain and improve risk policies, strategies, processes and procedures within the assigned function
    • Utilize application, bank and bureau information to derive business insights
    • KPI generation, tracking of risk and delinquency metrics for portfolios using SQL/Tableau
    • Revamp pricing strategy changes and launch A/B test to monitor impact and performance of the change
    • Set up the process to run eligibility conditions for marketing campaigns such as cross sell, etc.

    Requirements :

    • Knowledge of and certifications in programming, SAS/SQL/Python
    • Knowledge of best practices in coding, data manipulation and creating reusable artifacts
    • Knowledge of Banking / Financial Services Industry with preference in lending space (Personal Loans, Credit Cards, Auto loans etc.)
    • Ability to create recommendations and insights from data for developing risk strategy
    • Experience with creating and utilizing credit risk datamarts using internal and third party data (Experian, FICO, etc.)
    • Ability to design the right KPIs for measuring strategy success
    • Understanding of various elements of risk strategy, such as eligibility, verification, fraud and decline criteria
    • Ability to communicate and present the results to business stakeholders
    • Good knowledge of designing, implementing, and measuring statistically valid experiments (mainly A/B tests)