Manager- Risk Analytics - Gurugram, India - Home Credit India
Description
Job Description:
Responsible for defining the credit underwriting frameworkDefining the strategies for credit approval and Credit Limit assignmentMonitoring & meeting the acquisition vintage risk levels within the risk appetiteDefining the framework for repeat transaction authorization for revolving productsMonitoring & meeting the transaction risk levels within the risk appetitePortfolio management, limit management of the existing card portfolioMonitoring the incoming credit profiles, score distributions, approval rates etc.
Ownership of the cross-sell UW engine – generating eligible customer base for CRM/sales teamsDevelopment, testing, and deployment of policy changes in underwriting decision engine (Blaze)Close cooperation with business teams like Sales, CRM, Marking, Digital, and Data ScienceWorking closely with Finance to provide inputs for budgeting, pricing, regulatorsLeveraging big data sources like credit bureau data, SDK data, telecom data, Geo data etc.
in UW strategiesEngagement with collections department to optimize the risk levels – proving inputs on sourcing quality trends , key UW changes etcDesired Skills:
SQL Expert, data Visualization tool, Python6-10 years of relevant experience