Chief Manager - Credit | Cross-sell Personal Loan

Key Responsibilities

• Own and drive credit policy design for cross-sell personal loan programs, focused on internal and partner customer bases.
• Analyze customer behavior, repayment history, and alternate data to define eligibility and segmentation strategies.
• Develop and optimize scorecard-based or rule-based underwriting models to achieve ideal risk-return balance.
• Collaborate with Product, Analytics, and Tech teams to integrate policies into digital journeys and decision engines.
• Monitor key portfolio performance metrics – approval rates, delinquencies, roll rates, and loss ratios across customer cohorts.
• Engage with credit bureaus and data providers to leverage external data for enhanced underwriting precision.
• Ensure compliance with regulatory guidelines and internal governance frameworks.
• Conduct periodic risk reviews and present credit policy performance to senior management and credit committees.