Secured Risk Lead

Responsibilities:

• Portfolio Analysis: Check loan portfolio performance and identify where delinquencies/defaults are increasing.
• Credit Strategy: Create and improve rules for loan approval, credit limits, fraud, and collections.
• Risk Analysis: Study customer/loan data to identify risky and good-performing segments.
• Work with Product and Tech: Help implement credit rules and decision-making systems.
• Work with Data Science: Improve credit models and decide the right score cut-offs for approvals/rejections.
• Use Data: Work with Credit Bureau + alternative/digital data for underwriting.

Requirements:

• Product Knowledge: Must understand home loans and LAP, especially prime and affordable segments.
• Team Management: Should have experience managing a team.