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Portfolio Manager-SME Lending
Job Description & How to Apply Below
Role Summary
We are looking for a highly analytical and business-focused Portfolio Manager – SME Lending to own and optimize portfolio performance across the end-to-end lending lifecycle. The role requires strong expertise in SQL, SME lending analytics, risk assessment, and portfolio segmentation, with a deep understanding of how lending decisions impact growth, risk, and profitability. The candidate will work closely with Business, Risk, and Pricing teams to drive data-backed decisions, improve efficiency through pre-approval frameworks, and ensure sustainable portfolio growth.
Key Responsibilities Portfolio & Funnel Management- Own and monitor SME lending portfolio performance across acquisition, approvals, disbursals, and repayments
- Analyze and optimize the end-to-end lending funnel, identifying bottlenecks and drop-offs
- Drive improvements in approval rates, conversion, portfolio quality, and ROI
- Perform deep-dive analysis using SQL to generate actionable insights
- Use Python for advanced analysis, automation, and data modeling where required
- Build and maintain MIS, dashboards, and performance reports for leadership
- Conduct segmentation and cohort analysis based on risk, behavior, geography, and SME profiles
- Partner with Risk teams to evaluate and optimize credit policies, underwriting rules, and cut-offs
- Analyze delinquency trends, vintage performance, defaults, and loss metrics
- Balance growth with prudent risk-return trade-offs
- Design and enhance pre-approval / pre-qualification frameworks to improve turnaround time and efficiency
- Support automation and rule-based decisioning to scale SME lending
- Work closely with Pricing Optimization teams to improve yield, margins, and customer lifetime value
- Support growth initiatives through data-backed evaluation of pricing, offers, and product structures
- Act as a key analytics partner to Business, Risk, Product, and Pricing teams
- Translate complex analytical insights into clear business recommendations
- Own problem statements end-to-end with a strong problem-solving mindset
- 5–7 years of experience in SME lending, portfolio management, analytics, or risk roles
- Strong hands-on expertise in SQL (mandatory)
- Solid understanding of SME lending lifecycle and credit risk concepts
- Experience in portfolio segmentation, risk analysis, funnel management, and pre-approval processes
- Proven ability to work closely with Business, Risk, and Pricing teams
- Strong analytical thinking, problem-solving ability, and business acumen
- Excellent communication and stakeholder management skills
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