TVS Credit - Chief Manager - Credit Policy - Portfolio Management (8-12 yrs)

Job Purpose:

This role is responsible to lead the development and oversight of credit policies for the Consumer Durable Loans portfolio. The ideal candidate will have a strong understanding of consumer lending risk, product-specific dynamics, and customer behavior in the consumer finance space, particularly within banks or NBFCs.

Key Responsibilities:

- Develop and manage credit policies for Consumer Durable Loans across various products and geographies.

- Design rule-based or scorecard-driven underwriting criteria in line with risk appetite and market trends.

- Work closely with OEMs, retailers, and sales finance teams to align credit policies with business strategy.

- Monitor portfolio performance, delinquencies, and credit cost; recommend policy changes to maintain portfolio health.

- Leverage customer, bureau, and alternate data to refine segmentation and enhance decision accuracy.

- Coordinate with product, technology, and analytics teams to implement policies within digital and assisted journeys.

- Ensure compliance with internal credit standards, regulatory guidelines, and audit requirements.

- Conduct regular policy reviews and provide insights for new product launches or strategic partnerships.

Job Requirements:

- Post Graduate / MBA

- 8+ years of experience in credit policy, preferably with exposure to Consumer Durable Loans in a Bank or NBFC

- Experience working with fintech partners or embedded finance models

- Understanding of retail merchant network dynamics and POS financing

- In-depth understanding of consumer durable finance, including EMI schemes, zero-cost financing, and manufacturer-led subvention models.

- Strong expertise in credit policy formulation, risk assessment, and scorecard development

- Experience with credit bureau data, partner integrations, and digital credit decisioning tools

- Strong analytical and communication skills with experience in cross-functional collaboration

- Proficiency in Excel, SQL, and analytics platforms (SAS, Python preferred)