Digital Personal Loan Manager

Key Responsibilities

• Monitor and manage credit risk policies for digital personal loan products.
• Review Business Rule Engine (BRE) performance, approval rates, and portfolio

quality to ensure an optimal balance between growth and risk.

• Define and monitor customer eligibility criteria, underwriting standards, and

overall risk appetite.

• Review and update credit decision rules based on portfolio performance and risk

trends.

• Coordinate with partner banks on underwriting standards and risk-sharing

arrangements.

• Ensure compliance with co-lending agreements and operational processes.
• Monitor adherence to jointly agreed credit policies and service-level agreements

(SLAs).

• Support periodic portfolio reviews with lending partners and recommend

corrective actions where required.

• Recommend policy enhancements based on customer behavior, portfolio

performance, and emerging risk trends.

• Optimize the balance between loan approvals and expected credit losses.
• Ensure lending practices comply with applicable regulatory requirements,

including digital lending guidelines.

• Support internal and external audits by providing required documentation and

ensuring policy adherence.

• Conduct regular reviews and updates of underwriting policies to maintain

portfolio quality and business objectives.

Experience

• 310 years of experience in unsecured digital lending (Personal Loans) within

a FinTech, NBFC, or Bank.

• Hands-on experience with automated underwriting systems and Business

Rule Engines (BRE).

• Experience managing co-lending portfolios with partner banks is highly

desirable.