Formulating and implementing policy, procedures & guidelines for the Consumer Durable Loan credit appraisal
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
Analyzing the market trends / practices and benchmarking of policies with the market
Establishing a robust Credit Analytic Frameworks to identify early warning signals, credit risk process inputs and customer segment wise risk factors
Ensure that data integrity is maintained and meet all ISO process standards as per the organization's credit policy
Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control
Identify and implement system and process improvements to ensure accurate, thorough data is available to support high-quality analysis
Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit approval team, credit operations team and collection team
Manage the interface with External / Internal Auditors; Design controls to meet all regulatory & internal requirements
Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems
Assist in developing and implementing training programs to improve the quality and productivity of the team
Job Requirements:
Post Graduate / MBA
8+ years experience in credit policy formulation, process management
Knowledge of credit policy, process, and associated risk in Consumer Durable Loan
Experiencing in analyzing the market trends / practices and benchmarking of policies
Experience in identifying internal process gaps to achieve timely resolutions
