National Underwriting Manager – Digital Loans

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Any query feel free  to call  Ms. Kalpana – 7819809825

Client : – Avanse

Position: – National Underwriting Manager – Digital Loans

Location: – Mumbai HO

Job Description 

Position Summary

Role                                       :National Underwriting Manager – Digital Loans

Reporting to                      :Head Credit

Place of Posting               : Mumbai HO

Geographical Remit       : PAN India

Key Responsibilities

• Set up internal controls and process to address key risks in digital lending business.
• Develop & implement process manuals and  implement Risk policy for the vocational and digital education loans.
• Co design and recommend automations and monitoring controls for Digital Lending Business
• Drive operational efficiency through automation of credit process and straight through processing
• Collaborate with business and collections team to drive the desired asset quality of the  product
• Recommend to the management on latest trends in underwriting which gives better customer experience, drives business growth and enhances asset quality
• Co-ordination with support functions – sales, operations, collections, IT team and RCU team for setting up process flow for smooth business functioning.
• Conceptualizing, building training content, ensuring delivery and tracking effectiveness of capability building programs across roles.
• Conduct portfolio study of the outstanding advances portfolio, Lead credit tightening initiatives to keep delinquencies under control while maintaining a balanced view of business profitability across various products and geographies.
• Quality Management in terms of Audit, Compliance and Hind sighting

Key Accountabilities

• Co partner Business and Risk team in delivering on Budgeted growth of Digital Lending Business wrt new account onboarding, qualitative measures achievement
• Credit delivery on non STP business within agreed SLAs and risk appetite
• Manage team wrt motivation, efficiency and learnings
• Monitor the incremental business is being underwritten in compliance with regulatory guidelines
• Structural  engagement with Digital lending partners and drive agreed actionables from that

Required Experience

• Over all 10 years of experience in Lending Business in credit/risk/ operations  with exposure to digital lending architecture and or sufficient expertise in designing and running processes and design

Required Qualification

 

• CA /MBA (Finance) or relevant qualification

Technical Competencies

• Understanding of Digital Lending
• Ability to govern, manage under structured process
• Analytical approach
• Ability to develop processes and policies
• Strong presentation skills

Behavioral Competencies

• Strategic Orientation
• Customer Centricity
• Execution Focus
• Collaborative Approach
• People Excellence

Personal Attributes

• Excellent communication skills
• Analytical thinking
• Self-driven, Proactive and strong interpersonal skills
• Team management skills
• Stakeholder management
• Pro-activeness

About Avanse

Avanse Financial Services Limited is a new age, education focused NBFC on a mission to provide seamless and affordable education financing for every deserving Indian Student.

Established in 2013, Avanse is on a journey to strengthen its leadership position in Education Lending by creating solutions for Individuals (Education Loans) and Indian Institutions (Education Infrastructure Financing) by providing solutions to every segment of the Indian education sector covering school education to post graduation while also contributing to build the education infrastructure in the country.

Warburg Pincus, a leading global private equity firm holds 80% of Equity stake in Avanse. The International Finance Corporation (IFC), an arm of the World Bank holds 20 percent equity stake.

Avanse as an equal opportunity employer

We give utmost importance to our cultural pillars which have embedded values aligned to Governance, Transparency, Meritocracy, Inclusivity and Happiness Quotient.

Avanse is committed to workplace diversity and to cultivating, fostering and preserving a culture of inclusion. We believe that workplace Diversity and Inclusion refers to the recognition of employee differences, which if properly managed will enable work to be done more efficiently and effectively. Diversity and Inclusion does not focus exclusively on issues of discrimination but instead concentrates on recognizing and respecting the differences between people.

Dimensions of Diversity include, but are not limited to, gender, race, ethnicity, language, age, religion, socio-economic status, physical ability, thinking style, experience and education. Aligned to its business objective of enabling education through financing for a diverse segment of customers and to its cultural pillar of Inclusivity, Avanse believes that the wide array of perspectives that result from such diversity promotes innovation and business success. Managing diversity makes us more creative, flexible and competitive. It also creates a productive working environment in which everyone feels valued and where their talent is fully utilized thereby making it inclusive.

Passionate individuals who love to accept challenges with a problem-solving attitude will enjoy the work culture at Avanse. Our teams thrive to make the work environment exciting and vibrant and the organization promotes the culture of entrepreneurship and innovative mindset for a holistic growth.

Kalpana Jha

Branch Business Consulting Partner   

kalpana@careerzodiac.com

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