JAIPUR · FULLTIME
Lead - Data Analytics
AU Small Finance Bank
Jaipur · onsite · Posted 44d ago
Sourced from
Undisclosed10–15 yrsfulltimeJaipur
About a minute. You'll make an account on the way through.
agent · working
- Read this posting0.2s
- Found the form on Naukri · 14 questions to answer1.2s
- Decided the answers for all of them2.3s
- Tailor your résumé to this role
- Waiting for you
Section · 01
About this role
Location: Jaipur, India
Role Summary
We are looking for adynamic and strategic leader to take on the role of Head of Credit for ourUnsecured Assets Business. This pivotal position is responsible for managingthe entire credit lifecycle for our unsecured products, including PersonalLoans, Credit Cards, and Consumer Durable Loans. You will be responsible fordeveloping and implementing robust credit underwriting policies, managingportfolio quality, and ensuring a healthy balance between business growth andrisk control. The ideal candidate will possess deep expertise in unsecuredlending, a strong command of credit risk principles, and the ability to lead alarge team of credit professionals in a fast-paced environment.
Key Responsibilities
Credit Policy Underwriting: Formulate, review, and continuously refine the credit underwriting policies andprocedures for all unsecured loan products to align with the bank's riskappetite.
Risk Management: Own the credit qualityof the unsecured portfolio. Proactively identify, measure, and mitigate creditrisks through effective policy changes, portfolio monitoring, and early warningsystems.
Portfolio Oversight: Continuously monitorportfolio performance, analyzing key risk indicators (KRIs) such as delinquencyrates, loss rates, and portfolio yield. Present findings and strategicrecommendations to senior management.
Process Excellence: Drive efficiency andeffectiveness in the credit underwriting process by leveraging technology,automation, and data analytics. Ensure adherence to defined Turnaround Times(TAT) without compromising on credit quality.
Regulatory Compliance: Ensure strict adherenceto all internal credit policies and external regulatory guidelines set forth bythe RBI and other relevant bodies.
StakeholderCollaboration: Collaborate closely with the Business, Sales, Operations, andAnalytics teams to achieve business targets while maintaining a prudent riskframework.
Team Leadership: Lead, mentor, andmanage a geographically dispersed team of credit managers and underwriters.Foster a strong credit culture based on integrity, diligence, and soundjudgment.
New Product Development: Act as the creditsubject matter expert for the launch of new unsecured products, defining thecredit policy and process from the ground up.
Required QualificationsSkills
Educational Background: CA or MBA (Finance)from a premier institution.
Experience: 15+ years ofprogressive experience in credit risk management, with at least 7 years in aleadership role managing credit for unsecured products (Credit Cards, PersonalLoans) in a bank or leading NBFC.
Domain Expertise: In-depth knowledge ofunsecured lending, including risk assessment frameworks, financial analysis,fraud detection, and collections strategies.
Analytical Mindset: Strong analyticalskills with the ability to interpret data, identify trends, and make sound,data-driven decisions.
Leadership Skills: Exceptional leadershipand team management skills with a proven ability to manage large teams.
Business Acumen: A commercial mindsetwith the ability to balance risk and reward to drive profitable businessgrowth.
Communication Skills: Excellent interpersonal, communication, and negotiation skills to effectivelyinteract with
Disclaimer: This job posting and Location has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.
Sourced from naukri
Section · 02
Skills
AutomationNegotiation SkillsLendingfraud detectioncredit policyLoansAnalyticsData AnalyticsCredit Underwritingcredit riskNew Product DevelopmentCommunication Skillsoperationsfinancial analysiscompliancefinanceNBFC
Section · Company
About AU Small Finance Bank
AU Small Finance Bank
Banking
50.9k+
employees
1996
30 years old
Jaipur, Rajasthan
India
About
AU Small Finance Bank offer banking services such as personal banking, online banking, internet banking, business & corporate banking, insurance, loans, investments, retail banking & much more.
Industries
BankingFinancial Services
Employee ratings
14,223 reviews
3.8/ 5
Culture
3.6
Career growth
3.5
Work-life
3.7
Employees rate it well for
Work Culture1155Work Environment896Salary745Learning675Work Life Balance609
Find them on