Senior Credit Policy Manager - Unsecured MSME

Led by technology, powered by creative thinking and driven by innovative partnerships, DMI is reimagining the transmission of credit in India.

Founded in 2008 by Shivashish Chatterjee and Yuvraja C. Singh, and supported by a deeply experienced team, DMI has grown into a pan-India credit platform with core businesses in corporate lending, housing finance, digital consumer and MSME finance and asset management.

DMI is supported by global institutional investors, strategic family offices and leading banks and public market creditors in India.

Job Purpose:

Incumbent will be part Unsecured Loan-Risk & Policy for DMI Consumer Credit team. Core responsibilities would include managing, modifying, and creating credit policies driven by data centric analytical methods.

Accountabilities:

Credit Underwriting

• Lead a team of credit analysts and assist with credit decisions, risk assessment, and overall portfolio performance
• Define TAT and adhere to meet the defined TAT for case review and CPV
• Suggest changes to process and portfolio
• Doing industry/sectoral research
• Work closely with BD and collections for case processing
• Tracking productivity and portfolio performance
• Monitored accounts for signs of fraud and non-payment issues

Policy formulation

• Develop new policies for new partners and channels (Acquisition & Line management)
• 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 process)

Portfolio Management

• Constantly Evaluate portfolio performance.
• Benchmark to Industry Standards.

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

Qualifications

• Minimum Qualification: CA/PGDM/MBA
• Skills: Basic understanding of SQL

Work Experience

• 6-8 Years of relevant experience