Own portfolio performance, credit policy, and underwriting improvement. Analyze live loans; build scoring models;

recommend policy calibrations based on NPA, bounce, and collection trends. Not execution - analytics and judgment.

Core Responsibilities

• Analyze portfolio by segment, bureau score, geography, dealer, OEM. Identify credit patterns and red flags.

• Build and validate credit scoring models. Test new variables against real outcomes. Back test decision rules.

• Develop and maintain underwriting policy - decision trees, approval limits, bureau thresholds, income

verification requirements.

• Underwrite 2W/3W/CV applications: CIBIL/CRIF, KYC, income (salary/ITR/business), bank statements, FI,

vehicle, dealer documents.

• Quarterly portfolio reviews - PAR-30/60/90, vintage cohort analysis, early warning signals. Present findings and

recommendations to leadership.