Chief Manager - Credit | Portfolio Management
- TVS Credit Services
- 8 - 12 years
- Chennai
- 28 days ago
- Email to a friend
- Report this job
Job Description
Job Purpose:
This role is responsible to lead the development and oversight of credit policies for the Consumer Durable Loans portfolio. The ideal candidate will have a strong understanding of consumer lending risk, product-specific dynamics, and customer behavior in the consumer finance space, particularly within banks or NBFCs.
Key Responsibilities:
- Develop and manage credit policies for Consumer Durable Loans across various products and geographies.
- Design rule-based or scorecard-driven underwriting criteria in line with risk appetite and market trends.
- Work closely with OEMs, retailers, and sales finance teams to align credit policies with business strategy.
- Monitor portfolio performance, delinquencies, and credit cost; recommend policy changes to maintain portfolio health.
- Leverage customer, bureau, and alternate data to refine segmentation and enhance decision accuracy.
- Coordinate with product, technology, and analytics teams to implement policies within digital and assisted journeys.
- Ensure compliance with internal credit standards, regulatory guidelines, and audit requirements.
- Conduct regular policy reviews and provide insights for new product launches or strategic partnerships.
Job Requirements:
- Post Graduate / MBA
- 8+ years of experience in credit policy, preferably with exposure to Consumer Durable Loans in a Bank or NBFC
- Experience working with fintech partners or embedded finance models
- Understanding of retail merchant network dynamics and POS financing
- In-depth understanding of consumer durable finance, including EMI schemes, zero-cost financing, and manufacturer-led subvention models.
- Strong expertise in credit policy formulation, risk assessment, and scorecard development
- Experience with credit bureau data, partner integrations, and digital credit decisioning tools
- Strong analytical and communication skills with experience in cross-functional collaboration
- Proficiency in Excel, SQL, and analytics platforms (SAS, Python preferred)
Job Classification
Industry: Financial ServicesFunctional Area / Department: BFSI, Investments & TradingRole Category: LendingRole: Credit ManagerEmployement Type: Full timeContact Details:
Company: TVS Credit ServicesLocation(s): Chennai
Keyskills: Portfolio Management Policy Formulation Portfolio Monitoring Credit Monitoring Credit Portfolio Credit Policy Risk Management
Similar positions
Job Listings
We are in open beta version of website, please let us know if any issues, at: info(at)indigojobs.in