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 2W/3W/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 refine credit assumptions monthly. R...