Conceptualizing & formulating risk strategies & policies for Tractor Loan /CV business.
? Monitor & control portfolio metrics through key TTD metrics like Profile mix, CIBIL mix, Age mix, Risk Band mix, customer segment mix etc
? Continuous review of portfolio on key performance indicators like FEMI, Coincidental, Portfolio health, POF etc & taking policy action whenever required.
? Continuous identification of additional data avenue for segmentation for cross sell opportunity.
? Ongoing liaising with IT, Credit and BIU teams to ensure all policies &processes are implemented smoothly
? Portfolio risk management exposure of tractor loan.
? Data analysis and taking policy action.
? Making process improvement/ enhancement post requirement gathering or sample check
? Periodic review/ Audit of system to check policy & process & suggest areas of improvement.
? System & file audit to prevent fraud
? Conducting UAT. Monitoring them for their performance.
? Initiating legal actions for critical cases.
? Designing of credit/risk scorecards.
? Designing and implementation of Business rule engines enabling real time decisioning.