Assistant Vice President - Consumer Risk - Lending Business

Saimedha Technologies Private Limited·Posted 1 month ago

Location

All India

Experience

6–10 years

Required Skills

Credit Risk ManagementStakeholder ManagementAnalytical SkillsSQLPythonRStatistical AnalysisData MiningMachine LearningRisk AnalyticsRisk ManagementUnderwriting StrategiesPortfolio AnalyticsCommunication Abilities

About the Role

As an AVP - Consumer Risk at one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, your role involves conducting Portfolio Analysis and monitoring Portfolio delinquencies at a micro level. You will identify segments, programs, locations, and profiles which are delinquent or performing well. Your responsibilities also include designing and implementing risk strategies across the customer lifecycle, identifying trends through necessary analytics, and providing analytical support for internal reviews to enhance portfolio quality. Utilize data-driven insights to improve risk selection, pricing, and capital allocation. Collaborate with Product, Engineering, and Data Science teams to implement and optimize risk strategies, model variables, and underwriting data sources effectively.

Key Responsibilities:

• Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level

• Design and Implement risk strategies across the customer lifecycle

• Identify trends through necessary analytics

• Provide analytical support for internal reviews of the portfolio

• Collaborate with cross-functional teams to implement risk strategies and optimize data sources

• Lead high performing credit risk team

• Identify emerging risks, concentration issues, and early warning signals

• Enhance automation, digital underwriting, and advanced analytics in credit risk processes

• Improve turnaround times, data quality, and operational efficiency without compromising risk standards

Qualifications Required:

• Strong expertise in credit risk management, underwriting strategies, and portfolio analytics

• Excellent stakeholder management and communication abilities

• Strategic mindset with the ability to balance risk and growth

• Bachelor's degree in Computer Science, Engineering, or related field from a top-tier institution

• 6+ years of experience in Data Science, Risk Analytics, or Risk Management

• Proficiency in SQL, Python, or R

• Deep understanding of statistical concepts and data mining techniques

• Experience with machine learning techniques and both structured and unstructured data

• Fintech or Retail consumer digital lending experience is preferred

(Note: Omitting any additional details of the company as they were not provided in the job description) As an AVP - Consumer Risk at one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, your role involves conducting Portfolio Analysis and monitoring Portfolio delinquencies at a micro level. You will identify segments, programs, locations, and profiles which are delinquent or performing well. Your responsibilities also include designing and implementing risk strategies across the customer lifecycle, identifying trends through necessary analytics, and providing analytical support for internal reviews to enhance portfolio quality. Utilize data-driven insights to improve risk selection, pricing, and capital allocation. Collaborate with Product, Engineering, and Data Science teams to implement and optimize risk strategies, model variables, and underwriting data sources effectively.

Key Responsibilities:

• Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level

• Design and Implement risk strategies across the customer lifecycle

• Identify trends through necessary analytics

• Provide analytical support for internal reviews of the portfolio

• Collaborate with cross-functional teams to implement risk strategies and optimize data sources

• Lead high performing credit risk team

• Identify emerging risks, concentration issues, and early warning signals

• Enhance automation, digital underwriting, and advanced analytics in credit risk processes

• Improve turnaround times, data quality, and operational efficiency without compromising risk standards

Qualifications Required:

• Strong expertise in credit risk management, underwriting strategies, and portfolio analytics

• Excellent stakeholder management and communication abilities

• Strategic mindset with the ability to balance risk and growth

• Bachelor's degree in Computer Science, Engineering, or related field from a top-tier institution

• 6+ years of experience in Data Science, Risk Analytics, or Risk Management

• Proficiency in SQL, Python, or R

• Deep understanding of statistical concepts and data mining techniques

• Experience with machine learning techniques and both structured and unstructured data

• Fintech or Retail consumer digital lending experience is preferred

(Note: Omitting any additional details of the company as they were not provided in the job description)

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