Senior Manager - Rural Credit

JOB PURPOSE : Position is a second line to the CL Policy Head and incumbent is expected to lead Rural/ Micro loan segment Risk & Policy. Incumbent is also expected to help maintain minimum loss rates for Consumption Loan portfolios and at the same time figure out opportunities to increase portfolio size. PRINCIPAL ACCOUNTABILITIES : Data Analytics : - Analyze data to identify high risk segments to limit and decrease loss rates. - Perform exploratory data analysis to identify interesting data trend/ insights. - Carry out deep dive analysis on data to identify cross-sell or product bundling opportunity. Model Validation : - Build/Validate statistical scoring models on Unsecured lending portfolios that would aid in customer segmentation. Policy formulation : - Develop new policies for new partners and channels in Rural/ Micro loan segment - Review and update policies for existing partners in case of any change. - Work with tech team to design test and implementation for any changes (partner related or regulatory) in policies. Portfolio Management : - Constantly Evaluate portfolio performance. - Benchmark to Industry Standards. Loss Management : - Monitor CL portfolio on a daily/weekly basis for any increase in risk (loss rates) - Forecast loss for CL portfolios. Stakeholder Management : - Interacting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms - Lead discussions with external stakeholders/ channel partners during engagement calls - Provide effective backup to CL Policy head - Handhold & mentor CL policy analysts.