Key Responsibilities Credit Strategy & Underwriting

Develop and optimize credit policies, underwriting rules, approval thresholds, credit limits, and pricing for personal loans.

Conduct deep dive analysis on application fraud, firstparty risk, and early delinquency signals.

Review complex manual underwriting cases and set escalation frameworks.

Portfolio Monitoring & Risk Analytics

Perform vintage analysis, roll rate analysis, and cohort forecasting to predict credit losses.

Track core risk KPIs including but not limited to: approval rate, default rates, day past due, roll rates, and loss given default.

Build automated dashboards and weekly/monthly risk MI for leadership and investors.

Identify emerging risks, early warning indicators, and portfolio concentration; recommend mitigation actions.

Conduct stress testing and scenario analysis under changing economic conditions.

Testing & Optimization