Manager

The candidate 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 pro-actively 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, Python/SQL/SAS

Knowledge of best practices in coding, data manipulation and creating re-usable 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)