Job Description
Own portfolio performance, credit policy, and underwriting improvement. Analyze live loans; build scoring models;
recommend policy calibrations based on NPA, bounce, and collection trends. Not execution - analytics and judgment.
Core Responsibilities
• Analyze portfolio by segment, bureau score, geography, dealer, OEM. Identify credit patterns and red flags.
• Build and validate credit scoring models. Test new variables against real outcomes. Back test decision rules.
• Develop and maintain underwriting policy - decision trees, approval limits, bureau thresholds, income
verification requirements.
• Underwrite 2W/3W/CV applications: CIBIL/CRIF, KYC, income (salary/ITR/business), bank statements, FI,
vehicle, dealer documents.
• Quarterly portfolio reviews - PAR-30/60/90, vintage cohort analysis, early warning signals. Present findings and
recommendations to leadership.