Position Summary
Role : Lead Digital Credit Underwriting
Reporting to : Head Credit
Place of Posting : Mumbai HO
Geographical Remit : PAN India

Key Responsibilities

 Set up internal controls and process to address key risks in digital lending business.
 Develop & implement process manuals and implement Risk policy for the vocational and
digital education loans.
 Co design and recommend automations and monitoring controls for Digital Lending Business
 Drive operational efficiency through automation of credit process and straight through
processing
 Collaborate with business and collections team to drive the desired asset quality of the
product
 Recommend to the management on latest trends in underwriting which gives better
customer experience, drives business growth and enhances asset quality
 Co-ordination with support functions - sales, operations, collections, IT team and RCU team
for setting up process flow for smooth business functioning.
 Conceptualizing, building training content, ensuring delivery and tracking effectiveness of
capability building programs across roles.
 Conduct portfolio study of the outstanding advances portfolio, Lead credit tightening
initiatives to keep delinquencies under control while maintaining a balanced view of
business profitability across various products and geographies.
 Quality Management in terms of Audit, Compliance and Hind sighting

Key Accountabilities
 Co partner Business and Risk team in delivering on Budgeted growth of Digital Lending
Business wrt new account onboarding, qualitative measures achievement
 Credit delivery on non STP business within agreed SLAs and risk appetite
 Manage team wrt motivation, efficiency and learnings
 Monitor the incremental business is being underwritten in compliance with regulatory
guidelines
 Structural engagement with Digital lending partners and drive agreed actionables from
that

3

Required Experience

 Over all 10 years of experience in Lending Business in credit/risk/ operations with
exposure to digital lending architecture and or sufficient expertise in designing and running
processes and design

Required Qualification
 CA /MBA (Finance) or relevant qualification
Technical Competencies
 Understanding of Digital Lending
 Ability to govern, manage under structured process
 Analytical approach
 Ability to develop processes and policies
 Strong presentation skills
Behavioral Competencies
 Strategic Orientation
 Customer Centricity
 Execution Focus
 Collaborative Approach
 People Excellence

Personal Attributes
 Excellent communication skills
 Analytical thinking
 Self-driven, Proactive and strong interpersonal skills
 Team management skills
 Stakeholder management
 Pro-activeness