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ClosedPosted 119 days ago

Credit Policy Manager

Scrabble & Jigsaw

Where
Bangalore

This posting closed on 2026-10-23.

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This job: posted 119 days ago

The posting

Manager - Credit Policy

## Company Overview InPrime is a new age tech-led Non-Banking Financial Company (NBFC) focused on serving the informal economy. By establishing sound policies, we aim to achieve a high-quality portfolio and extend adequate credit services to our customers. We are committed to empowering our customers by making informed credit decisions.

## Job Summary As a Manager of Credit Policy, you will play a pivotal role in shaping our credit policies and ensuring a seamless end-to-end process for our financial services. You will work at the intersection of credit risk, product design, market segmentation, and technology, empowering our dedication to data-centric credit underwriting and risk evaluation. Your role is instrumental in shaping our assessment models, lending policies, and optimizing credit risk management.

## Responsibilities - Credit Policy Design: Develop, refine, and optimize credit policies, rules, and decision-making criteria based on market segmentation and customer profiles. - Assessment Templates: Build income assessment templates for focused sectors within the informal economy, requiring detailed field research and study of the segments. - Loan Origination System (LOS) Implementation: Oversee the implementation of the LOS, defining underwriting workflow, automating rules, and ensuring policy compliance. - Product Collaboration: Work closely with the product team to integrate policy considerations into product design, market segmentation, and credit policy formulation. - Credit Model Development: Collaborate with the analytics team to build credit decisioning models and internal credit scorecards that enhance the underwriting process. - Data-Driven Decisions: Develop a systematic framework for extracting and leveraging diverse data points to drive objective decision-making, implementing this framework via the rule engine. - Process Design: Create and design comprehensive end-to-end processes to ensure that credit policies are consistently implemented. - Bureau Management: Manage relationships with credit bureaus and ensure the seamless integration of bureau data into the underwriting process, along with managing other third-party relations impacting the credit process. - Portfolio Management: Drive the creation of a quality portfolio by applying policies to optimize credit assessment and decision-making while monitoring portfolio behavior and early warning signs closely for timely interventions. - Training: Create and deliver training modules to ensure thorough staff understanding of policy frameworks. - Documentation: Maintain comprehensive and accurate records of credit policies, decisions, and process documentation. - Regulatory Compliance: Ensure that all credit policies adhere to regulatory guidelines and compliance standards.

## Qualifications - Education: Bachelor's or Master's degree in a quantitative field (e.g., Finance, Business, Mathematics, Economics, etc.). - Experience: Minimum of 5 years’ experience in underwriting, credit analysis, and policy drafting within the financial services industry. - Knowledge: Strong understanding of financial regulations, credit risk, and industry standards, especially related to lending and underwriting. - Skills: Proficiency in developing and refining credit scoring frameworks and internal credit scorecards. Strong problem-solving skills to adapt to changing market conditions and optimize credit policies.

## Preferred Skills - Advanced quantitative analysis skills. - Familiarity with credit risk management software tools. - Strong communication and interpersonal skills.

## Experience - Minimum of 5 years in relevant roles, particularly in underwriting and credit policy management within the financial services sector.

## Environment - The position is based in HSR Layout, Bangalore.

## Salary - Estimated salary range and specific compensation details are not specified.

## Growth Opportunities - Career growth opportunities within our dynamic organization.

## Benefits - Competitive compensation and benefits packages. - A collaborative and innovative work environment.

Interested candidates can submit their applications to [email protected] and [email protected].

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