Senior Manager - Product Risk

Policy Design & Portfolio Monitoring :

• Development, Implement and Review of Credit Risk Policy, Models & Associated Frameworks in an unsecured & secured rural/semi-urban and Urban lending context in coordination with other stakeholders
• Maintain a robust Trigger Framework (e. g. , delinquency, vintage loss, approval rate, fraud, DPD roll rates, GNPA/NNPA, EWS hits) and initiate policy amendments when thresholds are breached.
• Drive periodic Policy Reviews (monthly/quarterly) based on performance analytics, market dynamics, and regulatory updates.
• Ensure end-to-end documentation, version control, and timely communication to stakeholders.
• Monitor portfolio performance: approval/decline mix, bounce trends, disbursal vintages, channel/segment performance, and EWS outcomes.
• Conduct deep-dives on outliers (aggregator, geography, bureau profile, score bands, income proxies, employer tiers).
• Recommend corrective actions (rule tuning, cut-off shifts, channel recalibration, pricing changes, limit reductions).
• Monitor scorecard performance on monthly basis.
• Identify green shoots for business development.
  
• Analysis of sample delinquent cases to understand the trend and suggest corrective actions
• Translate policy into BRE decisioning logic (eligibility, cut-offs, overrides, limits, pricing, fraud flags).
• Lead UAT: test cases, edge scenarios, regression, and sign-offs; maintain rule books and test evidence.

BRE Testing & Rules Implementation :

• Translate policy into BRE decisioning logic (eligibility, cut-offs, overrides, limits, pricing, fraud flags).
• Lead UAT: test cases, edge scenarios, regression, and sign-offs; maintain rule books and test evidence.
• Coordinate with Product, Tech, Data Science for deployments; track post release performance and rollback criteria.

Aggregator Engagement, Governance & Training to Credit/ Business/ Product: :

• Conduct regular market visits to aggregators/ Channel Partners / locations to review funnel metrics, compliance adherence, data quality, and process execution.
• Conduct training, Policy test and policy walkthroughs; establish corrective action plans and timelines for Credit/ Business and Product teams.
• Ensure monthly data accuracy checks using Tableau dashboards.
• Recommend new data points or dashboards to Data Science/IT teams and oversee final dashboard preparation.
• Deliver actionable insights through data analytics to support evidence-based policy decisions.
• Prepare and maintain dashboards for senior management reviews and strategic meetings.
• Drive automation and cost-efficiency in credit processes through continuous improvement initiatives.
• Monitor and report Credit Cost and GNPA reduction trends to support product-level profitability analysis.

Dashboards & Analytics:

Ensure data integrity and consistency across reporting platforms (e. g. , Tableau, MIS tools)