01Overview
Key Responsibility Areas:
Portfolio Monitoring & Analytics
Monitor portfolio health across products (CV, PV, 2W, used vehicles, etc.)
Track key metrics such as delinquency (DPD buckets), roll rates, bounce rates, and credit costs
Conduct segmentation analysis (geography, customer profile, dealer, product type) to identify stress trends
Early Warning Systems (EWS)
Develop and refine early warning signals to detect potential defaults
Track behavioral triggers such as payment patterns, utilization trends, and bureau alerts
Recommend proactive actions to mitigate risk
Risk Strategy & Policy Feedback
Provide inputs to credit policy and underwriting teams based on portfolio insights
Suggest changes in credit filters, bureau cut-offs, LTV norms, and pricing strategies
Work closely with originations and collections teams to improve portfolio performance
Collections & Recovery Analytics
Partner with collections teams to monitor recovery efficiency and optimize strategies
Analyze bucket-wise performance and recommend interventions for high-risk segments
Evaluate effectiveness of repossession and recovery channels
Cross-functional Collaboration
Collaborate with Credit, Risk, Collections, Finance, and Business teams
Act as a key bridge between data analytics and business decision-making
Qualifications Experience:
6 - 10 years in decisioning/credit risk roles, preferably in NBFCs, banks, or fintech.
Bachelors/ Master's degree in Finance, Engineering, Business, or related field
MBA / PGDM (Finance/Operations) preferred
Desired Competencies
Strong understanding of retail/vehicle finance lending lifecycle
Hands-on experience in credit risk analytics and portfolio monitoring
Knowledge of credit bureau data and risk metrics (DPD, roll rates, vintage analysis)
Ability to translate data into actionable business insights
Effective communication and stakeholder management
