Manager/Senior Manager - Credit Analytics - MSME

Led by technology, powered by creative thinking and driven by innovative partnerships, DMI is reimagining the transmission of credit in India.

Founded in 2008 by Shivashish Chatterjee and Yuvraja C. Singh, and supported by a deeply experienced team, DMI has grown into a pan-India credit platform with core businesses in corporate lending, housing finance, digital consumer and MSME finance and asset management.

DMI is supported by global institutional investors, strategic family offices and leading banks and public market creditors in India.

JOB PURPOSE:

Incumbent will be part Unsecured Loan-Risk & Policy for DMI Consumer Credit team. Core responsibilities would include managing, modifying, and creating credit policies driven by data centric analytical methods.

4. PRINCIPAL ACCOUNTABILITIES:

Data Analytics:

- Analyze data to identify high risk segments to limit and decrease loss rates.

- Perform exploratory data analysis to identify interesting data trend/ insights.

- Carry out deep dive analysis on data to identify cross-sell or product bundling opportunity.

- Perform off-us analysis for market analysis, rejections and ABND base

Model Validation & Testing:

- Build/Validate statistical scoring models on Unsecured lending portfolios that would aid in customer segmentation.

- Identify and suggest new variables and work closely with Data Science team for the betterment of the models

- Creating Blackbox for embedded partners

Policy formulation:

- Develop new policies for new partners and channels (Acquisition & Line management)

- Review and update policies for existing partners in case of any change.

- Work with tech team to design test and implementation for any changes (partner related or regulatory) in policies.

Portfolio Management:

- Constantly Evaluate portfolio performance.

- Benchmark to Industry Standards.

Loss Management:

- Monitor portfolio on a daily/weekly basis for any increase in risk (loss rates)

- Forecast loss for portfolios

Stakeholder Management:

- Interacting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms

- Lead discussions with external stakeholders/ channel partners during engagement calls

a) Qualifications:

Minimum Qualification: Postgraduate in Statistics/Quantitative Economics/ Data Science

Skills: R/Python, SQL, Advanced Excel

b) Work Experience

4-7 Years of relevant experience