Manager- Credit Risk (Microfinance)

Role & responsibilities

• Formulation of JLG Credit Policy, review amendment proposal to credit policies
• Monitor effective implementation of credit policies
• Review/Analysis of historical loan data to understand the pattern from delinquency point of view, apply statistical tool to analyze the pattern and come with detailed assessment.

• Review and Prepare risk dashboard for management which shows all important risk parameters. Customer, vendor, competition visits. Market analysis
• Develop rating model/scorecard for JLG based on historical data
• Testing of scorecard/model on a regular basis and update
• Coordinate with stakeholder for the rating model implementation
• Prepare and maintain database of loan products from risk assessment point of view

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• Ensure data is correctly captured in the system and coordinate with different teams to fix the issues.
• Coordinate with IT team for the automation of credit approval process, LMS & LOS
• Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption

Interested candidates may share their updated resume on adarsh.pandey@utkarsh.bank.