As a Risk and Policy Specialist for Secured and Unsecured Loans, your role involves managing the risk and policy aspects of one or more consumer and personal loan portfolios. Your primary responsibilities include maintaining minimal loss rates for the loan portfolios and identifying opportunities to increase the portfolio size. Key Responsibilities:
Conduct data analytics to identify high-risk segments and reduce loss rates. - Perform exploratory data analysis to discover meaningful trends and insights. - Conduct in-depth data analysis to identify opportunities for cross-selling or product bundling. - Develop and validate statistical scoring models for Secured and Unsecured lending portfolios to assist in customer segmentation. - Formulate new policies for new partners and channels in EV financing, including retail, DCO, fleet, and leasing programs. - Review and update policies for existing partners as needed. - Collaborate with the tech team to test and implement policy changes related to partners or regulatory requirements. - Continuously evaluate portfolio performance and compare it to industry standards. - Monitor Consumer Loan (CL) and Personal Loan (PL) portfolios regularly for any increase in risk (loss rates) and forecast losses. - Engage with cross-functional teams to drive the credit policy agenda and ensure correct implementation of credit policy guidelines. - Lead discussions with external stakeholders and channel partners during engagement calls. Qualifications:
Minimum Qualification: Bachelor of Engineering or Postgraduate in Finance/Statistics/Data with knowledge of Statistics, Python, and SQL. - Preferred Qualification: MS or MBA with knowledge of Statistics, Python, and R. - Work Experience: 3-7 years of experience in Risk Management, specifically in unsecured lending. Experience in secured lending is a plus. - Skills required: Proficiency in R, Python, SQL, and Advanced Excel including Pivot Tables. As a Risk and Policy Specialist for Secured and Unsecured Loans, your role involves managing the risk and policy aspects of one or more consumer and personal loan portfolios. Your primary responsibilities include maintaining minimal loss rates for the loan portfolios and identifying opportunities to increase the portfolio size. Key Responsibilities:
Conduct data analytics to identify high-risk segments and reduce loss rates. - Perform exploratory data analysis to discover meaningful trends and insights. - Conduct in-depth data analysis to identify opportunities for cross-selling or product bundling. - Develop and validate statistical scoring models for Secured and Unsecured lending portfolios to assist in customer segmentation. - Formulate new policies for new partners and channels in EV financing, including retail, DCO, fleet, and leasing programs. - Review and update policies for existing partners as needed. - Collaborate with the tech team to test and implement policy changes related to partners or regulatory requirements. - Continuously evaluate portfolio performance and compare it to industry standards. - Monitor Consumer Loan (CL) and Personal Loan (PL) portfolios regularly for any increase in risk (loss rates) and forecast losses. - Engage with cross-functional teams to drive the credit policy agenda and ensure correct implementation of credit policy guidelines. - Lead discussions with external stakeholders and channel partners during engagement calls. Qualifications:
Minimum Qualification: Bachelor of Engineering or Postgraduate in Finance/Statistics/Data with knowledge of Statistics, Python, and SQL. - Preferred Qualification: MS or MBA with knowledge of Statistics, Python, and R. - Work Experience: 3-7 years of experience in Risk Management, specifically in unsecured lending. Experience in secured lending is a plus. - Skills required: Proficiency in R, Python, SQL, and Advanced Excel including Pivot Tables.
