AVP - Policy (LAP)

About Credit Saison

Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people.

Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment.

More about us on https://www.creditsaison.in

Job Description

• Leading and managing risk policies across the secured loans on branch side
• Identifying business opportunities, strategizing, and building roadmap along with cross-functional teams to launch new programs and products aligning with
  organisational goals
• Working closely with analytics team to take policy decisions using combination of outputs from credit, collections, analytics and market
• Developing risk framework including EWS, analysing large datasets of risk metrics to extract valuable insights about the portfolio exposures and sharing the learnings with the branch teams
• Identifying key loss insights and trends within portfolio of loans, applying analytic methods with knowledge of loan origination flow and industry benchmarks
• Designing, managing and automating secured loans policies, new programs, cross-sell, partnerships, processes, line products from risk management perspective
• Implementing robust and appropriate internal controls with insights and
  recommendations on key risk and regulatory issues.
• Leading and implementing key risk projects, large complex projects and initiatives in liaison with business
• Identifying the need for training to credit and sales teams and designing policy
  training programs
• Designing standard operating procedures for various processes
• Formulating location specific credit and collateral related policies and procedures
• Visit branches for market updates, feedback sharing and training

Skill set required:

• Relevant work experience of 15 years+
• Excellent team handling skills
• Flexible to take up new initiatives
• A team player who can work in sync with internal and external stakeholders
• Clarity in communication and confidence to put forward one’s view
• Tier-1 MBA candidates will be preferred