Manager-Credit BRE

The Role:

He/She will lead the end-to-end credit decisioning framework, focusing on achieving an 80% Straight Through Processing (STP) rate and drastically reducing Turnaround Time (TAT). This role sits at the intersection of credit risk, data analytics, and IT operations.

Key Responsibilities:

• Automation Leadership: Drive the strategy for automated approvals and optimize business rules within the BRE on a quarterly basis.
• Data-Driven Insights: Conduct "what-if" analyses on policy amendments and lead monthly root-cause reviews on application rejections.
• Governance & Compliance: Establish a self-audit framework and lead internal/regulatory audits to ensure 100% compliance and robust audit trails.
• Stakeholder Management: Collaborate with IT, Data Analytics, and Business teams to align credit rules with organizational goals.
• Team Development: Oversee daily operations, providing technical mentorship and fostering a culture of continuous process improvement.

What Were Looking For:

• Proven experience in Credit Policy, Risk Management, or Credit Operations .
• Hands-on expertise with Business Rules Engines (BRE) and automated decisioning tools.
• Strong analytical mindset with the ability to translate data into actionable policy changes.
• Exceptional leadership skills and experience managing internal/external audits.

Education : Graduates /MBA/MCA / Post-graduation or Equivalent preferably in finance / Business management.

Experience : 7-10 years of experience in Business Rule engines & implementation of credit policy