| Policy Design & Portfolio Monitoring: - Development, Implement and Review of Credit Risk Policy, Models & Associated Frameworks in an unsecured & secured rural/semi-urban and Urban lending context in coordination with other stakeholders
- Maintain a robust Trigger Framework (e.g., delinquency, vintage loss, approval rate, fraud, DPD roll rates, GNPA/NNPA, EWS hits) and initiate policy amendments when thresholds are breached.
- Drive periodic Policy Reviews (monthly/quarterly) based on performance analytics, market dynamics, and regulatory updates.
- Ensure end-to-end documentation, version control, and timely communication to stakeholders.
- Monitor portfolio performance: approval/decline mix, bounce trends, disbursal vintages, channel/segment performance, and EWS outcomes.
- Conduct deep-dives on outliers (aggregator, geography, bureau profile, score bands, income proxies, employer tiers).
- Recommend corrective actions (rule tuning, cut-off shifts, channel recalibration, pricing changes, limit reductions).
- Monitor scorecard performance on monthly basis.
- Identify green shoots for business development.
- Analysis of sample delinquent cases to understand the trend and suggest corrective actions
- Translate policy into BRE decisioning logic (eligibility, cut-offs, overrides, limits, pricing, fraud flags).
- Lead UAT: test cases, edge scenarios, regression, and sign-offs; maintain rule books and test evidence.
- Coordinate with Product, Tech, Data Science for deployments; track postrelease performance and rollback criteria.
- Conduct regular market visits to aggregators/ Channel Partners / locations to review funnel metrics, compliance adherence, data quality, and process execution.
- Conduct training, Policy test and policy walkthroughs; establish corrective action plans and timelines for Credit/ Business and Product teams.
- Ensure monthly data accuracy checks using Tableau dashboards.
- Recommend new data points or dashboards to Data Science/IT teams and oversee final dashboard preparation.
- Deliver actionable insights through data analytics to support evidence-based policy decisions.
- Prepare and maintain dashboards for senior management reviews and strategic meetings.
- Drive automation and cost-efficiency in credit processes through continuous improvement initiatives.
- Monitor and report Credit Cost and GNPA reduction trends to support product-level profitability analysis.
- Ensure data integrity and consistency across reporting platforms (e.g., Tableau, MIS tools)
BRE Testing & Rules Implementation: - Translate policy into BRE decisioning logic (eligibility, cut-offs, overrides, limits, pricing, fraud flags).
- Lead UAT: test cases, edge scenarios, regression, and sign-offs; maintain rule books and test evidence.
- Coordinate with Product, Tech, Data Science for deployments; track postrelease performance and rollback criteria.
Aggregator Engagement, Governance & Training to Credit/ Business/ Product: - Conduct regular market visits to aggregators/ Channel Partners / locations to review funnel metrics, compliance adherence, data quality, and process execution.
- Conduct training, Policy test and policy walkthroughs; establish corrective action plans and timelines for Credit/ Business and Product teams.
Dashboards & Analytics: - Ensure monthly data accuracy checks using Tableau dashboards.
- Recommend new data points or dashboards to Data Science/IT teams and oversee final dashboard preparation.
- Deliver actionable insights through data analytics to support evidence-based policy decisions.
- Prepare and maintain dashboards for senior management reviews and strategic meetings.
- Drive automation and cost-efficiency in credit processes through continuous improvement initiatives.
- Monitor and report Credit Cost and GNPA reduction trends to support product-level profitability analysis.
- Ensure data integrity and consistency across reporting platforms (e.g., Tableau, MIS tools)
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