Lead - Credit Risk Monitoring - NBFC

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 stresstrends

Early Warning Systems (EWS) :

• Develop and refine early warning signals to detect potential defaults
• Track behavioural 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