Role Overview:
The role involves using analytical tools to drive asset growth while managing risk. It covers the risk management framework across the customer lifecycle — acquisition, portfolio management, and collections — across various retail lending products.
Responsibilities:
- Design, analyze, and monitor credit risk strategies for loan products such as personal loans and auto loans.
- Identify opportunities for portfolio growth and communicate findings to stakeholders.
- Collaborate with other risk functions (e.g., technology, product) to implement data-driven decisions.
- Understand underwriting rules and replicate them using SAS/SQL.
- Design and evaluate strategies for income, employment, and fraud verification.
- Develop and enhance risk policies, strategies, and procedures.
- Analyze application, bank, and bureau data to generate business insights.
- Generate KPIs and track risk and delinquency metrics using SQL and Tableau.
