Chief Manager - Credit | Portfolio Management

Key Responsibilities

• Develop and manage credit policies across consumer durable loan products and geographies.
• Design rule-based and scorecard-driven underwriting criteria aligned with risk appetite and evolving market conditions.
• Collaborate with OEMs, retailers, and sales finance teams to align credit policies with business strategy and partner expectations.
• Monitor portfolio performance metrics such as delinquencies, credit cost, and NPA trends; recommend timely policy adjustments.
• Leverage bureau data, alternative data sources, and customer behavior insights to refine risk segmentation.
• Work closely with product, tech, and analytics teams to implement policies in both digital and assisted journeys.
• Ensure full compliance with internal risk frameworks, regulatory guidelines, and audit standards.
• Conduct periodic policy reviews and support new product launches or partnerships with risk-policy inputs.