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Job Description
Key Responsibilities:
- Lead risk and policy for TW and Electric TW portfolios.
- Draft and design underwriting policies, scorecard-based decision frameworks and exposure norms.
- Define portfolio risk appetite and monitor policy effectiveness.
- Drive approval, LTV and eligibility strategies.
- Build and implement new risk programs with OEMs, dealers and channel partners.
- Monitor portfolio performance and recommend risk actions.
- Use bureau, banking, alternate data and analytics models for policy optimization.
- Lead policy governance and exception management.
- Partner with Product, Business, Collections and Analytics teams.
- Drive new initiatives across EV financing ecosystem.
- Present portfolio reviews and risk recommendations to senior management.
- Ensure adherence to RBI guidelines and internal governance standards.
- Lead internal and external audits, regulatory reviews and policy controls.
Education: MBA/CA/Masters
Work Experience: 10-15 years of experience in TW, EV, Retail Lending, Credit Cards or Consumer Lending
Technical Skills:
Strong analytical skills coupled with good understanding of Credit risk management, scorecards.
Domain understanding of wheels lending on credit policy, Risk strategy, Bureau and alternate Data, Portfolio Analytics.
Skills
Credit RiskCredit Risk ManagementUnderwritingCaIf a job posting appears fraudulent, asks for payment, contains misleading information, or violates our guidelines, please report it immediately. Our team will review it promptly, Jobaaj does not charge any fee from the applicants.
About Company
""Finance Made Easy. Three simple words, that drive India's next generation ultra-lean credit champion – Hero FinCorp. Incorporated in December 1991 as Hero Honda FinLease Limited; the restructuring of our parent company Hero MotoCorp Limited, led to our present form as Hero FinCorp Limited. Today, we're present at close to 2000 retail financing touch-points across Hero MotoCorp's network, and have partnered with over 2000 satisfied corporate clients. Going forward, we plan to continuously expand our offerings and geographic presence, whilst offering class leading financial services to all sections of our society.""
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