●  Plan, design and implement an overall risk management process for the organization and Develop end to end Credit Risk scorecards ranging from applications to collective scorecards.

●  Evaluate & Make risk assessments, which involves analyzing risks as well as identifying, describing and estimating the risks affecting the business.

●  Enhance the credit lending framework including policies, processes, MIS, controls, etc for the Unsecured Lending business.

●  Executing & setting up framework of TTDs and EWS and to ensure that timely actions are taken to prevent further loss.

●  Keep track of delinquency levels and ensure that requisite follow up is being done to ensure that over- dues are regularized in a time bound manner.

●  Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal/regulatory requirements, business strategies, market environment or portfolio performance.

●  Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, underwriting team, tech team and collection team.

●  Ability to work closely with lending partners (Banks/NBFCs) to ensure implementation of agreed policies, processes, and transition of data through in a timely manner.

●  Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps.

●  Own the Risk engine and the onboarding side of the product for the seller and the buyer to build a secure and smooth flow.