Chief Manager - Credit | Cross-sell Personal Loan
- TVS Credit Services
- 8 - 12 years
- Chennai
- 8 months ago
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Job Description
Job Purpose:
This role will be responsible to lead the design and execution of credit strategies for cross-sell personal loan programs. The role requires a strong background in retail credit risk, data-based decisioning, and exposure to NBFC or fintech ecosystems where digital origination and alternate data play a key role.
The role requires to completely own the Cross-Sell personal loan programs and take continuous actions to improve Portfolio Quality.
Key Responsibilities:
- Own and drive credit policy design for cross-sell personal loan programs, targeting existing customer bases from internal or partner channels
- Analyze customer behavior, repayment history, and alternate data to develop segmentation and eligibility strategies
- Define and continuously refine scorecard-based or rules-based underwriting logic to balance risk and growth
- Collaborate with Product, Analytics, and Tech teams to embed policies into digital journeys and decisioning engines
- Monitor portfolio performance metrics approval rate, delinquency, roll rates, loss rates across different cohorts and channels
- Work closely with credit bureaus and data providers to leverage external insights for better underwriting
- Ensure policy compliance with regulatory guidelines and internal governance standards.
- Conduct regular risk reviews and present findings to management and credit committees
Job Requirements:
- Postgraduate in Finance, Economics, Statistics, or related field.
- Professional Certifications FRM / CFA is desirable
- 8-12 years of experience in credit policy or risk management, preferably in NBFCs, FinTechs, or digital lending platforms.
- Have 3+ years of people / stakeholder management experience
- Experience in cross-sell or pre-approved loan programs is highly desirable.
- Exposure to digital lending platforms, API-based underwriting and rule engines.
- Experience with co-lending models or embedded finance
- Strong knowledge of unsecured lending products, especially personal loans.
- Hands-on experience with credit policy formulation, scorecard management, and risk-based pricing.
- Familiarity with bureau data (CIBIL, Experian, CRIF), alternate data sources, and credit decisioning tools.
- Analytical mindset with proficiency in tools like Excel, SQL, Python, or SAS.
- Ability to work in fast-paced environments with cross-functional collaboration.
- Strong Analytical, Interpersonal and Convincing skills
- Exceptional written and verbal communication skills
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: Digital Lending Credit Risk Cross Sell Credit Policy Risk Management Program Management Policy Formulation Personal Loan Portfolio Quality
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