Credit & risk analyst – vehicle lending

Own portfolio performance, credit policy, and underwriting improvement. Analyze live loans; build scoring models;
recommend policy calibrations based on NPA, bounce, and collection trends. Not execution - analytics and judgment.

Core Responsibilities

Analyze portfolio by segment, bureau score, geography, dealer, OEM. Identify credit patterns and red flags. Build and validate credit scoring models. Test new variables against real outcomes. Back test decision rules. Develop and maintain underwriting policy - decision trees, approval limits, bureau thresholds, income

verification requirements.
• Underwrite 2 W/3 W/CV applications: CIBIL/CRIF, KYC, income (salary/ITR/business), bank statements, FI,
vehicle, dealer documents.
• Quarterly portfolio reviews - PAR-30/60/90, vintage cohort analysis, early warning signals. Present findings and
recommendations to leadership.
• Link underwriting decisions to outcomes. Root-cause deterioration. Challenge and r...