Ambit Private Limited
Location
Delhi | India
Job description
Detailed understanding of digitization and automation of Retail underwriting and associated risks related to the sameDetailed understanding and exposure of writing BRD’s ( Business requirement document) and BRE’s (Business rule engine) for credit process automation and driving productivity of credit teamProficient in writing SOP; S and customer journey’swhich are in compliance with RBI and otherregulationsAnalyse business information to identify process improvements for increasing business effectiveness and efficiency.Development of new programs and credit risk policies (MSME business) in line with the enterprise risk practices.Setting up the lending policy framework by understanding business and assessing credit risks on periodic basis.Lead and set-up a robust practice of identifying early delinquencies, process of EWS through bureau scrubs and other tools like Static Pool etc.To apply knowledge of existing guidelines on risk exposure, provisioning, ECL and asset classificationResponsible for policy formulation and risk governance through collaboration with credit, business, operations and compliance teams ·Detailed portfolio monitoring on various demographic, bureau-based, industry and other parameters – driving meaningful analysis for credit underwritingResponsible for interacting with partners’ policy team in case of co-lending programsAnalyze the existing products in market and suggest new products through timely credit policy calibrations while maintaining portfolio quality as per defined risk numbers in budgetTo keep track of delinquency levels and ensuring that learning from delinquencies are acted upon and leading to real time credit policy updates under the feedback loopCarrying out effective hind sighting of loan files and presenting report to CRO post discussion with National Credit head’s for corrective action and improvementResponsible for driving new policy designing & implementation, changesto existing policy in line with company’s vision and focus areas, regulatory changes, competition mapping, new product support Conceptualization & Dissemination.Proactively working with the front line teams to ensure comprehensive and accurate capture of borrower loan data to enable study of trends in on boardingMonitoring Through-The-Door (TTD) business on boarded under the Credit Policy framework – for concentration risk, geographical trends and other Risk triggers etc.Responsible for driving standardization of credit processes as well as documentation
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