Job Description

what will you do:

• as the risk team member you will be responsible for managing risk strategy and containing credit losses at Prefr
• you will be responsible for building different credit risk policies using different scorecards and models
• policies include approve/ decline block/unblock pricing limit assignment etc
• working closely with collections and operations team to ensure the feedback loop is closed and learnings are relayed into our credit decisioning strategies
• working closely with technology and product teams to ensure right implementation of credit policies in the system through testing and due diligence
• constantly assess effectiveness of existing credit policies through portfolio deep dive and segment analysis and recommend changes in policies if required
• building and publishing portfolio monitoring reports/dashboards with risk matrices on a regular basis and providing key insights
• calculate loss provision for the portfolios and provide loss forecasting of future months
• provide support with data and insights on risk for lender onboarding lender reviews internal risk committee reviews etc
• create product programs and policy documents with subsequent changes and version controls

you should apply if you have/are:

• 2-4 years of strong analytical monitoring execution experience in banks/NBFCs/fintechs 
• proficient in SQL python
• prior retail credit experience will be strongly preferred followed by any experience on underwriting in proximate fields like unsecured loans insurance working capital loans etc   
• have the ability to analyze and solve complicated problems and distil that complexity into simple and concise communication
• strong written and verbal communication skills