Sr. Manager Policy

The role of a Personal Loan Risk Head is to own, manage and communicate risk policies and processes. He/She shall provide hands-on development of risk models involving market, credit and operational risk, assure controls are operating effectively, and provide research and analytical support. Prospective candidates must have excellent quantitative and analytical skills, along with the ability to apply those skills across a variety of business processes.

Key Expectations

Designing and implementing an overall risk management process for the Personal Loan portfolio, which includes an analysis of the financial impact on the company when risks occur

Performing a risk assessment: Analyzing current risks and identifying potential risks that are affecting the company

Own the portfolio risk metrics - Loss forecasting, Stress testing, Credit Risk, Liquidity risk, Collections performance & strategy & overall ROA by segment.

Monitor portfolio risk from granular dimensions and constantly implement strategies to maintain risk metrics within specific ranges.

Monitor various operational metrics and develop alerting mechanisms to maintain process efficiency

Designing and implementing strategies for Underwriting, Account Management, Portfolio Monitoring and Collections

Develop risk based credit policies and pricing grids to maximize approvals within specific segments of risk

Work with data science team which will develop algorithms and scorecards and drive decision models across various business segments.

Partner with Engineering team to implement policies and scorecards.

Supervise creation of time-sensitive analytics, visualisations, and complicated, high-visibility reports for Risk and Business management to use in portfolio monitoring and strategic decision-making.

Competencies -

Have strong business understanding of the retail lending business in India and understanding of the regulatory landscape

Should have hands-on experience working as data analyst or data scientist or statistical modeler in retail space, preferably in financial services or ecommerce.

Strong experience in establishing and managing high-performing teams with a collaborative leadership approach.

Outstanding communication skills, both verbal and written