<div>Position Summary<br /> Role : Lead Digital Credit Underwriting<br /> Reporting to : Head Credit<br /> Place of Posting : Mumbai HO<br /> Geographical Remit : PAN India</div> <div>Key Responsibilities</div> <div> Set up internal controls and process to address key risks in digital lending business.<br />  Develop &amp;amp; implement process manuals and implement Risk policy for the vocational and<br /> digital education loans.<br />  Co design and recommend automations and monitoring controls for Digital Lending Business<br />  Drive operational efficiency through automation of credit process and straight through<br /> processing<br />  Collaborate with business and collections team to drive the desired asset quality of the<br /> product<br />  Recommend to the management on latest trends in underwriting which gives better<br /> customer experience, drives business growth and enhances asset quality<br />  Co-ordination with support functions - sales, operations, collections, IT team and RCU team<br /> for setting up process flow for smooth business functioning.<br />  Conceptualizing, building training content, ensuring delivery and tracking effectiveness of<br /> capability building programs across roles.<br />  Conduct portfolio study of the outstanding advances portfolio, Lead credit tightening<br /> initiatives to keep delinquencies under control while maintaining a balanced view of<br /> business profitability across various products and geographies.<br />  Quality Management in terms of Audit, Compliance and Hind sighting</div> <div>Key Accountabilities<br />  Co partner Business and Risk team in delivering on Budgeted growth of Digital Lending<br /> Business wrt new account onboarding, qualitative measures achievement<br />  Credit delivery on non STP business within agreed SLAs and risk appetite<br />  Manage team wrt motivation, efficiency and learnings<br />  Monitor the incremental business is being underwritten in compliance with regulatory<br /> guidelines<br />  Structural engagement with Digital lending partners and drive agreed actionables from<br /> that</div> <div>3</div> <div>Required Experience</div> <div> Over all 10 years of experience in Lending Business in credit/risk/ operations with<br /> exposure to digital lending architecture and or sufficient expertise in designing and running<br /> processes and design</div> <div>Required Qualification<br />  CA /MBA (Finance) or relevant qualification<br /> Technical Competencies<br />  Understanding of Digital Lending<br />  Ability to govern, manage under structured process<br />  Analytical approach<br />  Ability to develop processes and policies<br />  Strong presentation skills<br /> Behavioral Competencies<br />  Strategic Orientation<br />  Customer Centricity<br />  Execution Focus<br />  Collaborative Approach<br />  People Excellence</div> <div>Personal Attributes<br />  Excellent communication skills<br />  Analytical thinking<br />  Self-driven, Proactive and strong interpersonal skills<br />  Team management skills<br />  Stakeholder management<br />  Pro-activeness</div>