Policy Manager - Two Wheeler/Personal Loan - NBFC

JOB PURPOSE: - Primary accountability for the definition and adherence to credit policies for TW / PL / Gold loan products. - Focus on creating an industry-leading credit policy and digital onboarding/underwriting process to provide quick approval TAT for various loans with an eye on market and competition. PRINCIPAL ACCOUNTABILITIES: Credit decision making: - Review credit strategies, products, policies and procedures on a regular basis, and recommend amendments. - Ensure clear communication and adherence of credit decisions to the sales network. - Liaise with Compliance and Legal departments to ensure all relevant regulatory and governance requirements are met. - Support in implementation of learning and development programs for Credit Managers to institute culture of credit writing excellence, and for Sales team to ensure stringent sourcing. - Implement departmental policies, systems, and procedure so that all relevant procedural/ regulatory requirements are fulfilled while delivering a quality and cost-effective service. - Analyze various portfolio trends and bureau data for future trends for effective decision making. - Effective interaction with business partners across functions including risk, technology, product management amongst others. Digital Credit Underwriting: - Ideate and help launch next-generation lending products and underwriting methods that will drive the next round of innovation and disruption within the rural lending space. - Institute high degree of automation in credit decision process required in a digital lending platform, to achieve STP. Credit Monitoring & Communication and reporting: - Ownership of portfolio quality and performance by continuously monitoring portfolio health. - Work closely with CE for effective external communication and responding to any enquiries from RBI or any other regulatory / statutory body. - Setup a strong portfolio governance mechanism and periodically review the same. .