Sr. Manager - Credit Policy Chennai

Job Description:

This role is responsible to create, review & implement credit policy for Cross Sell business in line with business
requirements. Also responsible for maintaining productivity, delivering solutions as per predefined SLAs and
implementing policy related enhancements

 Formulating and implementing policy, procedures & guidelines for Cross Sell
Personal Loan credit appraisal
 Interacting with cross functional teams and driving the credit policy agenda and
ensuring correct implementation of credit policy guidelines in origination system
and decisioning platforms
 Analyzing the market trends / practices and benchmarking of policies with the
market
 Establishing a robust Credit Analytic Frameworks to identify early warning
signals, credit risk process inputs and customer segment wise risk factors
 Ensure that data integrity is maintained and meet all ISO process standards as
per the organizations credit policy
 Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews &
delinquency control
 Identify and implement system and process improvements to ensure accurate,
thorough data is available to support high quality analysis
 Drive portfolio management initiatives through the credit cycle management
framework by working in partnership with product managers, credit approval
team, credit operations team and collection team
 Manage the interface with External / Internal Auditors; Design controls to meet
all regulatory & internal requirements
 Work in partnership with credit systems support team to implement key credit
policy criteria in relevant credit acceptance & evaluation systems
 Assist in developing and implementing training programs to improve the quality
and productivity of the team