AVP, Risk & Portfolio Management, Randstad

Randstad

Location:
India, Gurgaon

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

Opportunity for an experienced risk and portfolio management professional to take on strategic responsibilities and lead initiatives in unsecured retail lending, analytics-driven policy, and portfolio governance. Work location is Gurgaon, India with permanent status.

Job Responsibility:

Build credit strategy to drive the GTM strategy, customer eligibility and limit/exposure decisions through customer loan life cycle
Partner with Africa business and product team to develop and optimize customer journey and ongoing communication to drive uptake, usage, education and repayment across multiple digital channels
Work with external debt collection agencies and optimize direct debit rules to drive collection effectiveness for delinquent customer segments and optimizing collection offers
Building framework for measuring periodic performance of existing strategies
Responsible for Portfolio P&L KPIs and ensure closed loop governance with banks & telcos to set and deliver on KPI targets
Develop portfolio tracking metrics and design reports leveraging existing tech team
Coordinate with partner team for due/overdue PDD process
Propose and implement solutions to keep portfolio healthy interfacing data science, product and business operations team
Identify new customer segments and product constructs and suggest revenue enhancement opportunities
Collaborate with product and business teams to develop and implement a “Test & Learn” agenda to continuously test new product constructs, refine offers and optimize the marketing effort/budget across the customer life cycle

Requirements:

Deep knowledge of scorecards, credit policies and risk management in an unsecured retail lending context
defining underwriting strategy & exposure management and owning portfolio KPIs for risk & revenue
Experience in leading a 2-3 member analytics driven credit policy team for specific markets/products
Hands on experience as a data driven credit strategy analyst to provide functional guidance to team
Good analytical thought process and aptitude for problem solving
Hands on experience in data extraction using SQL, Python and Pyspark SQL (Big Data Hadoop/Spark Stack)
Passion for using data and algorithm to drive underwriting decisions
Previous exposure to ML algorithms (preferably multiple)
Strong entrepreneurial drive

Nice to have:

Previous experience in managing P&L for credit portfolio
Experience in working with credit card firm/Digital Lending firms
Hands on experience in working with Telecom data

Additional Information:

Job Posted:
May 29, 2025

Expiration:
July 06, 2025

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AVP, Risk & Portfolio Management