Chief Manager - Credit Policy | Consumer Durable Loan

Key Responsibilities

• Formulate and implement credit policies, procedures, and guidelines for the Consumer Durable Loan segment.
• Collaborate with cross-functional teams to ensure effective implementation of credit policies in origination systems and decisioning platforms.
• Monitor market trends and industry practices to benchmark internal policies and stay aligned with best practices.
• Establish credit analytics frameworks to identify early warning signals, segment-level risk factors, and process insights.
• Ensure data integrity in line with ISO standards and organizational credit policy requirements.
• Conduct portfolio analysis, track performance, monitor triggers, and support delinquency control strategies.
• Lead initiatives for credit cycle management, collaborating with product, operations, approvals, and collections teams.
• Identify and implement system/process enhancements to improve data quality for better risk analysis.
• Design and monitor risk controls in compliance with internal and external audit/regulatory requirements.
• Partner with credit systems teams to configure policy rules within acceptance and evaluation platforms.
• Assist in designing and delivering training programs to enhance credit team productivity and knowledge.