Address Key Responsibilities:
- The objective of this role is to manage risk of Used Car Loan business through underwriting scorecards/it's implementation and data driven strategies
- Responsible for defining what risk we should operate at using market benchmarking(quantitative and qualitative studies)
- Defining threshold for key Risk KPIs
- Defining underwriting frameworks for approving or rejecting a cohort/defining line and tenure strategy
- Assessment and feedback to the business on risk unlocks and risk cuts to create a balance b/w business growth and the expected losses.
- Collaboration with functional team across like DS/Credit/Collection to control our risk within defined appetite
- Experimentation for identifying white spaces in market for growing sustainability by taking good risk
- Monitoring portfolio for identification of potential fraud risk/operational risk
- Understand ECL methodologies.
- Understanding of ML scorecards for underwriting would be a add on but not mandatory
- At a lead and managerial level, the candidate should have leadership skill where the person can solve problems end to end/understand the big picture/define long terms strategies/create and manage a team.
Role Expectation:
- Can-Do-Attitude: A positive attitude and passion for learning in fast-paced environments. We move fast!- Result-oriented. Should be self-motivated to try new ideas & quickly iterate to reach the desired outcome.
- Ability to take end to end ownership: understanding the business expectation, deciding the approach, doing ETLs, data exploration, insights discovery, communication and driving solution implementation with business- Love of working with data to discover actionable insights.
Education:
- UG:B.Tech/B.E./B.S or CA or any finance qualification
- Preferably FRM/CQF degrees
- Preferably MBA
