Roles and Responsibilities

• Enhance and strengthen the credit lending framework including credit policy & risk controls that
• will drive growth, profitability, and competitive success
• Ensuring Drafting, Recommendation, Approval and Administering the Policies
• Recommend and follow through on policy changes, wherever required in order to improve the portfolio quality and the quality of application sourcing
• Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance Identify macroeconomic trends and insights to help improve credit underwriting
• Implement control procedures and system
• Administering & monitoring Portfolio data and related MIS
• Administering, Reviewing and modifying or if needed, revamping the Scorecards
• Setup processes and operational capability for proactive NPA prevention
• Closely working with Stakeholders: Product, Collections, FCU, Credit and Operations
• Having appropriate Industry knowledge and develop contacts with peers in Banks/NBFCs.
• Develop a rapport with the risk managers of other Fintechs, banks and NBFCs and initiate
• concerted market action on fraudsters wherever required