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

Data & Analytics

• 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

Risk & Credit Analytics

• 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

Pre-Approval & Efficiency Initiatives

• Design and enhance pre-approval / pre-qualification frameworks to improve turnaround time and efficiency

• Support automation and rule-based decisioning to scale SME lending
  

Pricing & Growth Collaboration

• 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

Cross-Functional Collaboration

• 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

Requirements

• 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