Chief Manager - Chennai - confidential

    confidential
    confidential Chennai

    1 week ago

    Full time
    Description

    Key Responsibilities

    • Own and drive credit policy design for cross-sell personal loan programs, focused on internal and partner customer bases.
    • Analyze customer behavior, repayment history, and alternate data to define eligibility and segmentation strategies.
    • Develop and optimize scorecard-based or rule-based underwriting models to achieve ideal risk-return balance.
    • Collaborate with Product, Analytics, and Tech teams to integrate policies into digital journeys and decision engines.
    • Monitor key portfolio performance metrics – approval rates, delinquencies, roll rates, and loss ratios across customer cohorts.
    • Engage with credit bureaus and data providers to leverage external data for enhanced underwriting precision.
    • Ensure compliance with regulatory guidelines and internal governance frameworks.
    • Conduct periodic risk reviews and present credit policy performance to senior management and credit committees.

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