Risk Lead (Analytics) - Rural - Mumbai

Job Description:

Job Purpose:

Policy/ Product & scheme development. Portfolio monitoring (including Risk Analytics)

Roles & Responsibilities:

• Evaluate Product programs/Policies in line with regulatory guidelines and build strong controls to mitigate risks across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation etc.).
• Monitor portfolio delinquencies at a micro level, identification of segments, locations and profiles which are delinquent.
• Assure adherence to the guidelines set by the bank.
• Facilitate implementation of technological interventions like scorecards, digital journeys, and automation to streamline processes.
• Shape the risk appetite of the product in line with growth objectives and Risk Appetite framework of the bank alongside risk-based pricing.
• Use analytics for tracking portfolio performance trends.
• Serve as a policy expert and conduct training when needed.
• Prepare monthly newsletter - snapshot of Portfolio performance, monthly acquisition trend, quality of portfolio and trigger monitoring.
• Capture and share best- practice knowledge amongst the team.
• Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service.

• Leverage in-house synergies through collaboration with internal stakeholders.
• Keep abreast of 4global market trends and competitor strategies in key markets.
• Monitor key parameters on productivity, hiring quality and costs via maintaining relevant scorecards.

• Build, groom, and retain top-class talent pool to enable high levels of process efficiencies.
• Attract and retain best-in-class talent for key roles in their reporting structure

Education Qualification: 

Graduation: Bachelor of Science (B.Sc) / Bachelor of Technology (B.Tech) / Bachelor of Computer Applications (BCA) / Bachelor of Commerce(B.Com) / Bachelor of Business Administration(BBA)

Post-graduation: MBA / PGDM

Experience: 8 to 10 years of relevant experience