AVP/SM - Consumer Loans-Risk-Digital Lending

Led by technology, powered by creative thinking and driven by innovative partnerships, DMI is reimagining the transmission of credit in India.

Founded in 2008 by Shivashish Chatterjee and Yuvraja C. Singh, and supported by a deeply experienced team, DMI has grown into a pan-India credit platform with core businesses in corporate lending, housing finance, digital consumer and MSME finance and asset management.

Control and monitor consumer loans portfolio (CL) on daily/weekly/monthly basis to maintain the lowest loss rates by continuously analyzing, identifying, and eliminating the high- risk segment from portfolio.

1. Loss Management

• Monitor TTD on weekly/monthly basis and identify high risk segments as per the performance
• Control and minimize bounce rate (both technical and non-technical) to the acceptable rate
• Reduce Non-Starters and loss rates
• Review the portfolio on a Cohort and Co-incidental level and suggest/propose policy actions at Partner level
• Forecast loss basis the actuals and prepare/provide the action plan on policy norms
• Evaluate and set benchmarks at a portfolio level

2. Channel Partner Management

• Review existing partner’s policy norms and propose changes as per the portfolio performance
• Interact with new channel partner and build policies as per their product contours
• Implement the policies in system with the help of IT
• Review of partners performance on delinquency monthly

3. Reporting and Analytics

• Develop and prepare various type of daily/weekly/monthly MIS for tracking performance:
• TTD reports
• Bounce reports
• Non-starters
• Cohort level reports
• EWS
• CIR reports
• Identify and implement fraud control solutions which help in controlling loss
• Work with the Data Science team to implement credit models

4. External & Internal Audit

• Conduct Internal audit of processes and policies through automated reports
• Oversee, plan and coordinate RBI audits

5. IT and Data Management

• Set processes for capturing right data at right place which will help in extracting the data and analyzing the portfolio for improving the loss rates
• Work with IT team for implementing the validation rules at field level in system for data management
• Design and Automate weekly/monthly MIS

Integrate policies at system for new and existing partners

• Qualifications
• Minimum Qualification required: Postgraduate in Finance/Statistics/Data
• Qualifications preferred: Post- Graduate
• Work Experience
• Minimum years of experience :6-8
• : 6
• : Data analytics including knowledge of Python, R, SQL, Knowledge seeker and other financial tools