Chief Manager - Credit | E-commerce Partnerships
- TVS Credit Services
- 8 - 12 years
- Chennai
- 7 months ago
- Email to a friend
- Report this job
Job Description
Job Purpose:
This role is responsible to oversee credit risk strategies for e-commerce lending programs. The role requires deep expertise in credit risk, underwriting models, and portfolio monitoring, particularly in partnerships with e-commerce platforms for Buy Now Pay Later (BNPL), Personal Loans, or Co-branded Credit products.
Key Responsibilities:
- Design and manage credit policies for customer acquisition through e-commerce platforms.
- Analyze partner-sourced customer profiles and define risk segmentation frameworks.
- Collaborate with credit bureaus, data science, and analytics teams to develop scorecards and alternate data models.
- Monitor key performance indicators (KPIs) for the e-commerce lending portfolio: approval rates, default rates, vintage analysis, etc.
- Work closely with product, risk, and partner teams to fine-tune underwriting rules based on evolving trends.
- Conduct periodic reviews of credit performance at a cohort, product, and partner level.
- Ensure regulatory and internal compliance in all customer onboarding and decisioning processes.
- Support the launch of new products in collaboration with tech and product teams by providing credit risk input.
Job Requirements:
- Graduate / Postgraduate in Finance, Economics, Engineering, or related field
- 8+ years of experience in credit risk or underwriting, preferably in fintech or digital banking environments.
- Experience in managing credit programs tied to e-commerce or digital channels
- Exposure to digital lending APIs and onboarding journeys
- Experience in co-lending or third-party origination models
- Strong grasp of consumer lending credit risk principles (unsecured lending, EMI financing, BNPL, etc.)
- Knowledge of e-commerce customer behavior and alternative data sources (digital footprint, transaction data)
- Familiarity with credit decisioning tools and rule engines (e.g., Experian Hunter, FICO, custom engines).
- Proficiency in data tools: SQL, Excel, SAS, Python (preferred)
- Excellent problem-solving skills and ability to work cross-functionally with internal and external stakeholders
Job Classification
Industry: Financial ServicesFunctional Area / Department: BFSI, Investments & TradingRole Category: LendingRole: Risk ManagerEmployement Type: Full timeContact Details:
Company: TVS Credit ServicesLocation(s): Chennai+ View Contact
Keyskills: Credit Risk Buy Now Pay Later Co-branded Credit Digital Lending E-commerce Personal Loan Risk Segmentation
Fraud Alert to job seekers!
₹ Not Disclosed
Similar positions
Job Listings
We are in open beta version of website, please let us know if any issues, at: info(at)indigojobs.in