Risk policy - PL / Mumbai

Job Description:

Job Description: Function: Risk Policy unsecured retail consumer loan. Location: Head Office Mumbai Job Role: Personal loan Policy Manager Grade: M5 Number of Position: 1 Job Responsibilities: • The role requires to process, implement and develop risk strategies for personal loan business • Operate and maintain an effective risk management system by creating a robust risk framework which includes risk identification, assessment, mitigation, tracking and reporting • Management of portfolio risk to maintain the overall losses in the business • Monitor portfolio delinquencies at micro level, identification of segments, locations, channels, profiles and proposing policies/ strategies to enable business and control risk • Evaluate product/programs/policies in line with regulatory guidelines and build strong risk controls across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation, etc.) • Assessment of scorecards and formulation of policies/ strategies basis scorecard • Implementation of technological interventions like scorecard, digital journey and automations • Using analytics to track various risk KPIs against the defined risk appetites • Recommend improvement to processes and policies to drive operational efficiencies Job Requirements: • Minimum 5year of experience in similar role of policy team in large sized NBFCs or Banks or ay MNC • Knowledge about policy framework pertaining to personal loan product/Unsecured product • Should have good command over language and have good communication skills • Should have experience in handling teams and coordination with various stakeholders • Experience in data analytical tools like SAS/SQL or Python and visualization tools like Powerbi • Should have strong analytical skills Personality Traits • Sharp analytical skills and ability to imagine and anticipate probable risks in lending processes. • Ability to conceptualize and create user-friendly processes and flows. • Sharp verbal and written communication skills • Strong on Microsoft tools like Excel, PowerPoint, etc. • Experience in coding and analytical tools is preferred. • Ability to deliver projects within tight deadlines. This is an Internal document. Education qualification: • Btech/MBA or Grad/Post Grad in statistics • Certification in coding languages like SAS/SQL/Pytho