Policy and Risk - LAP / HL - Bank

Key Responsibilities :

• Manage Policy & Portfolio for Loan Against Properties (LAP) / Home Loans.
• Should have prior experience Prime Home Loan OR Prime LAP
• Formulation & implementation of credit policy framework for Housing Loan product within regulatory guidance & risk appetite of the bank.
• Tracking portfolio triggers, risk appetite level, NPA / write off trends, quality of static asset pool. Identify good / bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern.
• Ensuring adherence to credit Policy and guidance / clarifications on policy parameters to stakeholders.
• Ensuring process & underwriting efficiencies through tech initiatives / digitalization.
• Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance.
• Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies.
• Support system changes to improve quality of data and ease of processes.
• Periodical health councils, management reviews, stakeholder reviews, monthly risk update / risk newsletters, stakeholder reviews.

Skills Required

Risk Appetite, Regulatory Compliance, Portfolio Management, Process Optimization