Credit Risk Monitoring

Key Responsibility Areas:

Portfolio Monitoring & Analytics

•  Monitor portfolio health across products (CV, PV, 2W, used vehicles, etc.)
•  Track key metrics such as delinquency (DPD buckets), roll rates, bounce rates, and credit costs 
•  Conduct segmentation analysis (geography, customer profile, dealer, product type) to identify stress trends 

 Early Warning Systems (EWS) 

• Develop and refine early warning signals to detect potential defaults 
•  Track behavioral triggers such as payment patterns, utilization trends, and bureau alerts 
•  Recommend proactive actions to mitigate risk

 Risk Strategy & Policy Feedback

•  Provide inputs to credit policy and underwriting teams based on portfolio insights 
•  Suggest changes in credit filters, bureau cut-offs, LTV norms, and pricing strategies 
• Work closely with originations and collections teams to improve portfolio performance

 Collections & Recovery Analytics 

• Partner with collections teams to monitor recovery efficiency and optimize strategies 
• Analyze bucket-wise performance and recommend interventions for high-risk segments
•  Evaluate effectiveness of repossession and recovery channels 

 Cross-functional Collaboration 

•  Collaborate with Credit, Risk, Collections, Finance, and Business teams 
• Act as a key bridge between data analytics and business decision-making  

• 6 - 10 years in decisioning/credit risk roles, preferably in NBFCs, banks, or fintech.
•  Bachelor’s/ Master's degree in Finance, Engineering, Business, or related field 
•  MBA / PGDM (Finance/Operations) preferred

• Strong understanding of retail/vehicle finance lending lifecycle 
•  Hands-on experience in credit risk analytics and portfolio monitoring
•  Knowledge of credit bureau data and risk metrics (DPD, roll rates, vintage analysis) 
•  Ability to translate data into actionable business insights 
•  Effective communication and stakeholder management