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Job Description
what will you do:
- as the risk team member you will be responsible for managing risk strategy and containing credit losses at Prefr
- you will be responsible for building different credit risk policies using different scorecards and models
- policies include approve/ decline block/unblock pricing limit assignment etc
- working closely with collections and operations team to ensure the feedback loop is closed and learnings are relayed into our credit decisioning strategies
- working closely with technology and product teams to ensure right implementation of credit policies in the system through testing and due diligence
- constantly assess effectiveness of existing credit policies through portfolio deep dive and segment analysis and recommend changes in policies if required
- building and publishing portfolio monitoring reports/dashboards with risk matrices on a regular basis and providing key insights
- calculate loss provision for the portfolios and provide loss forecasting of future months
- provide support with data and insights on risk for lender onboarding lender reviews internal risk committee reviews etc
- create product programs and policy documents with subsequent changes and version controls
you should apply if you have/are:
- 2-4 years of strong analytical monitoring execution experience in banks/NBFCs/fintechs
- proficient in SQL python
- prior retail credit experience will be strongly preferred followed by any experience on underwriting in proximate fields like unsecured loans insurance working capital loans etc
- have the ability to analyze and solve complicated problems and distil that complexity into simple and concise communication
- strong written and verbal communication skills
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.