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Zeta
Zeta® is in the business of providing a full-stack, cloud-native, API-first neo-banking platform including a digital core and a payment engine for issuance of credit, debit, and prepaid products that enable legacy banks and new-age fintech institutions to launch modern retail and corporate fintech products$1. .$1
1001 - 5000
VP Credit Risk - Underwriting
August 2
Zeta
Zeta® is in the business of providing a full-stack, cloud-native, API-first neo-banking platform including a digital core and a payment engine for issuance of credit, debit, and prepaid products that enable legacy banks and new-age fintech institutions to launch modern retail and corporate fintech products$1. .$1
1001 - 5000
Description
• The ideal candidate has hands-on experience across various dimensions of Credit Risk for large Credit Card Portfolios including - • Underwriting - Deep understanding and hands on experience of the steps required in building, monitoring and updating sophisticated LR, XGBoost based credit risk and underwriting models leveraging bureau data, alternative data and portfolio data • Credit Policy Definition - Experience in creating underwriting knockout rules, drafting credit policies, configuring adverse actions • Product definition - Defining commercial terms of Products to optimize RoE and adoption • Portfolio Management - Experience in monitoring and growing the performance and size of credit card portfolios, minimizing delinquencies and maximizing income • Collections - Experience in defining sophisticated contact and collections strategies that are both compliant and efficient, leveraging best in breed tools • Financial Modeling - Deep understanding and first hand experience in building sophisticated, multi-year, Credit Card Financial models (Income Statement and Balance Sheet), with granular assumptions of the relevant vintage curves • Indepth Systems knowledge - Indepth knowledge of vendors and capabilities across all relevant systems including - Application Processing, Loan Origination, Strategy Engines, Collections, Analytics etc
Requirements
• Demonstrable experience (preferably 12+ years) across heading one or more of Credit Risk and Underwriting, Portfolio Management and Collections for large-sized credit card portfolio • Degrees in Engineering / Economics / Finance / Statistics desirable
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