Vice President - Credit & Policy, Cross Sell

Job Purpose: Building X Sell capabilities for the entire portfolio up to and including partner base X-sell and direct to customer X-sell . Optimize risk and approvals to achieve organizational business-objective. Devise and drive different cross-sell programs leveraging the existing digital assets which helps in credit-healthy business growth. X-sell of lending products acquired through payment subsidiary of DMI. Key Accountability: Accountability1 – Segmentation

1. Perform Qualitative and Quantitative analysis to slice heterogeneous portfolio into homogeneous segments
2. Determine Product-Market fitment for designing policy of X sell for Personal Loan, Consumption Loans and Business Loans.

1. Help identify the right base from risk and conversion perspective.
2. Work closely with Data Science team for implementing the X Sell model for PL, CL and Business Loan.
3. Blend different source of intelligence and propose framework of differential strategies which includes determining right rate of interest, right offer, right product, right channel, right time, etc. to different segments.
4. Work with Product and X Sell Consumer Insights team to drive the X Sell practice for the organization.

1. Conduct controlled experiments and A/B tests on Cross Sell program
2. Fine-tune cross sell strategy to achieve pointed targets
3. Study Consumer behavior by performing Price elasticity and various sensitivity analysis.

1. Set KPIs, introduce analytical framework and best cross-selling practices used in BFSI industry

1. Work closely with Product, technology and Data science teams
2. Automate various algorithms and steps in the cross-sell journey to achieve desired scale and efficiency

1. Qualifications Minimum Qualification required: Graduate in Engineering or Postgraduate in Finance/Statistics/Management/Quant subjects from A institutes

1. Minimum 12 years with 7 -8 years driving cross sell policies initiatives in lending organizations or credit cards.
2. Should have a fair understanding of various cross-sell associated nuances and risk performance
3. Should have a very good communication skill.
4. Superior Stake holder management skills- Work closely and align with each of the internal functions which includes Business development, Credit and Policy, Data science, Legal, Technology, Operations, Collections, Customer Success team and external stakeholders.
5. Hands-on experience to work on large structured and unstructured datasets using different data processing and statistical tools is must