๐ง๐ต๐ถ๐ ๐ฟ๐ผ๐น๐ฒ ๐ถ๐ ๐ณ๐ผ๐ฟ ๐ผ๐ป๐ฒ ๐ผ๐ณ ๐๐ต๐ฒ ๐ช๐ฒ๐ฒ๐ธ๐ฑ๐ฎ๐'๐ ๐ฐ๐น๐ถ๐ฒ๐ป๐๐
๐ฆ๐ฎ๐น๐ฎ๐ฟ๐ ๐ฟ๐ฎ๐ป๐ด๐ฒ: ๐ฅ๐ ๐ฎ๐ฑ๐ฌ๐ฌ๐ฌ๐ฌ๐ฌ - ๐ฅ๐ ๐ฑ๐ฌ๐ฌ๐ฌ๐ฌ๐ฌ๐ฌ (๐ถ๐ฒ ๐๐ก๐ฅ ๐ฎ๐ฑ-๐ฑ๐ฌ ๐๐ฃ๐)
Experience: 8+ yrs
Location: Mumbai
Job Type: Full-time
We are seeking an experiencedย DVP โ Secured Riskย to lead credit risk strategy, portfolio analytics, and risk management initiatives for secured lending products. This role is ideal for professionals with deep expertise in credit risk, risk analytics, portfolio performance management, and scorecard development who are passionate about building data-driven lending strategies that balance portfolio growth with effective risk control.
As the DVP โ Secured Risk, you will be responsible for developing and executing credit risk frameworks, underwriting strategies, and portfolio monitoring practices across secured loan products. Working closely with business, analytics, underwriting, collections, and product teams, you will leverage advanced analytics to optimize customer acquisition, improve portfolio quality, and maximize profitability while ensuring compliance with regulatory and internal risk policies. This position offers the opportunity to influence strategic lending decisions, enhance credit models, and drive continuous improvements across the credit lifecycle.
Requirements
Key Responsibilities
- Develop and implement credit risk strategies for secured lending portfolios, ensuring an optimal balance between portfolio growth, profitability, and risk.
- Design, validate, and continuously enhance application scorecards, behavioral scorecards, and credit decision models.
- Monitor portfolio performance through advanced risk analytics, identifying emerging trends, early warning signals, and portfolio vulnerabilities.
- Analyze loan portfolios to evaluate delinquency trends, credit losses, customer behavior, and overall portfolio health.
- Build and optimize credit policies, underwriting frameworks, approval rules, and risk-based pricing strategies.
- Partner with business, product, collections, and analytics teams to improve credit decisioning and portfolio performance.
- Develop dashboards, MIS reports, and portfolio analytics to support senior leadership with actionable business insights.
- Conduct segmentation analysis, vintage analysis, cohort analysis, and stress testing to evaluate portfolio resilience.
- Recommend data-driven improvements to credit acquisition, customer lifecycle management, and portfolio optimization strategies.
- Ensure compliance with regulatory requirements, internal governance standards, and enterprise risk management practices while driving continuous improvement initiatives.
What Makes You a Great Fit
- 8+ years of experience inย Credit Risk, Risk Analytics, Portfolio Analytics, or Lending Risk Management, preferably within financial services or NBFCs.
- Strong expertise inย Credit Risk,ย Risk Analytics,ย Portfolio Analytics,ย Scorecard Development,ย Loans, andย Credit Strategy.
- Proven experience managing secured lending portfolios, including mortgage, LAP, vehicle finance, or other secured credit products.
- Strong understanding of credit underwriting, portfolio monitoring, customer risk segmentation, and risk-based decision frameworks.
- Hands-on experience developing and optimizing application and behavioral scorecards using analytical techniques.
- Excellent analytical skills with expertise in portfolio performance analysis, delinquency tracking, loss forecasting, and profitability assessment.
- Strong proficiency in SQL, Excel, BI tools, or analytics platforms for data extraction, reporting, and visualization.
- Experience collaborating with cross-functional teams across business, analytics, collections, operations, and product functions.
- Excellent stakeholder management, communication, and strategic decision-making abilities with the capability to influence senior leadership.
- A proactive, data-driven mindset with a strong focus on delivering sustainable portfolio growth, effective risk management, and continuous business improvement.