AlamatResponsibilities : 1. Business Growth :
1. Business Growth :
- Ensure alignment of growth initiatives with financial prudence.
- Work with Marketing to increase loan applications and improve customer engagement.
- Lead experiments for underwriting and credit policy enhancements.
- Collaborate with Product (Tech) for a seamless and efficient loan journey.
- Collaborate with the Anti-Fraud team to identify and mitigate fraud risks.
- Monitor risk levels with Finance, proposing adjustments based on metrics.
- Define and track key performance indicators (KPIs) for credit portfolio growth and profitability.
- Analyze market trends and competitor activities to identify growth opportunities.
- Drive innovation in credit products to meet customer needs and market demands.
2. Risk Operations :
- Ensure the implementation and adherence to robust credit underwriting processes.
- Develop and maintain credit policies that align with regulatory requirements and risk appetite.
- Establish a robust business governance framework to ensure compliance and risk management.
- Lead quality assurance initiatives to maintain the integrity of the credit portfolio.
- Collaborate with legal and compliance teams to address regulatory changes and updates.
- Monitor and mitigate credit risk through effective risk management practices.
3. Operations & Collection :
- Lead the collection and recovery team to minimize delinquencies and improve cash collection.
- Implement strategies for efficient debt recovery and resolution of customer issues.
- Continuously optimize operations to enhance customer experience and reduce turnaround time.
- Oversee underwriting operations, customer service, and complaint management teams.
- Develop and implement efficient processes for loan disbursement and customer support.
- Collaborate with technology teams to leverage automation and improve operational efficiency.
4. Performance Marketing :
- Develop and execute marketing strategies to drive relevant credit applications.
- Monitor and optimize the cost of customer acquisition per accepted / disbursed loan.
- Collaborate with data analytics teams to identify target customer segments.
- Utilize digital channels for effective marketing campaigns and lead generation.
- Analyze marketing performance metrics and adjust strategies accordingly.
- Foster relationships with external marketing partners for enhanced reach.
5. Cities Expansion :
- Develop and execute expansion strategies for new geographical areas.
- Evaluate market potential and conduct feasibility studies for new locations.
- Collaborate with cross-functional teams i.e. Performance Marketing, Creative Business, Collection to ensure seamless business expansion.
- Monitor and analyze performance metrics for new locations, adjusting strategies as needed.
- Ensure the profitability and sustainability of the credit portfolio in new cities.
Requirements :
- Bachelor's or Master's degree in Business, Finance, or related field.
- Extensive experience in Retail Credit, with a focus on business growth and risk management.
- Proven leadership skills and experience in managing cross-functional teams.
- Strong analytical and strategic thinking skills.
- Excellent communication and interpersonal skills.
- Knowledge of regulatory requirements and industry best practices.
