Manager-Senior Manager Cross Sell - Digital Lending

Job Purpose:

• Building X Sell capabilities for the entire portfolio, including partner base X-sell and direct to customer X-sell.
• Optimize risk and approvals to achieve organizational business objectives.
• Devise and drive different cross-sell programs leveraging the existing digital assets which helps in credit-healthy business
• growth.

Key Accountabilities:

Segmentation

• Perform Qualitative and Quantitative analysis to slice heterogeneous portfolio into homogeneous segments
• Determine Product-Market fitment for designing policy of X sell for Personal Loan, Consumption Loans and Business
• Loans.

Base Identification

• Help identify the right base from risk and conversion perspective.
• Work closely with Data Science team for implementing the X Sell model for PL, CL and Business Loan.
• Blend different source of intelligence and propose framework of differential strategies which includes determining right rate of interest, right offer, right product, right channel, right time, etc. to different segments.

Experimentation

• Conduct controlled experiments and A/B tests on Cross Sell program.
• Fine-tune cross sell strategy to achieve pointed targets.
• Study Consumer behaviour by performing Price elasticity and various sensitivity analysis.

Best Practices and Process

• Set KPIs, introduce analytical framework and best cross-selling practices used in BFSI industry.

Automation

• Work closely with Product, technology and Data science teams
• Automate various algorithms and steps in the cross-sell journey to achieve desired scale and efficiency.

Educational Qualifications

Qualifications

• Minimum Qualification required: Graduate in Engineering or Postgraduate in Finance/Statistics/Management/Quant subjects from A institutes.
• Qualifications preferred: BTech with MBA.

Work Experience

• Minimum 4 years with 2 years in credit risk or similar fields.
• Should have a fair understanding of various risk metrics and credit ecosystem.
• Stake holder management skills- Work closely and align with each of the internal functions which includes Business development, Credit and Policy, Data science, Legal, Technology, Operations, Collections, Customer Success team and external stakeholders.
• Hands-on experience to work on large structured and unstructured datasets using different data processing is must, using SQL, Python etc.
• Good communication skills, Data driven, Analytical approach, Team Player.
• Experience in data science, model building, any highly analytical field is preferred.