Lead - Risk & Policy - SME Lending

Job Description

• . Lead risk & policy for all existing SME lending products, build risk and policy framework for new line of businesses and evolving use cases (Ticket Size ranging from 1L-100L)
• . Maintain credit quality of assigned portfolios. Ensure credit loss and credit cost is within projected levels on all such portfolios
• . Design / develop / credit policies, new programs, processes, products from risk management perspective, in line with best industry practices & business opportunity - Professional Loans, OD, Secured SME Lending, Merchant Lending
• . Lead, modify & release amendments in the policies and programs across all business lending products with an optimal mix of underwriting concepts and use of data science tools like : - risk score cards, statistical models to help Business have competitive edge in the market and mitigate Risk for multiple portfolios.
• . Take support of rule engine based automated models and loan approval processes to improve customer underwriting Journey and rules etc. using latest technology.
• . Drive and monitor the loans portfolio on daily / weekly / monthly basis to maintain risk metrics at desired levels by continuously analysing, identifying, and eliminating the high- risk segment from portfolio. Recommend corrective actions for maintaining a healthy portfolio and lower loss rates.
• . Define various metrics & tracking's for assessment of the through the door quality, approvals and performance
• . Lead execution, tracking & change management ranging from new partner enrolment, formulating policies and processes, define success metrics and loss forecasting.
• . Anticipate impact on business when recommending changes to balance risk / reward
• . Drive deep data analytics for decision making on risk & opportunities
• . Ensure adherence to RBI norms, internal audit findings, and compliance standards.
• . Help prepare risk tracking's for senior management and regulatory bodies.
• . Lead internal and external audits, hind sighting related to policies, processes & underwriting
• . Collaborate with credit underwriting teams, collections & business stakeholders for problem solving
• . Work with analytics, products teams to identify opportunities & sharpen risk outcome & business growth
• . Interface with external service providers, partners, DSA - both existing & new to find opportunities & improve outcome
• . Regularly visit market & customers to understand ground realities, feedback to the policies & processes.

The Successful Applicant

• MBA / CA / Masters
• 10-15 years of experience of managing portfolio and policies of Unsecured Business Loan / Professional Loan / SME Loans / Personal Loan in Banks / NBFC / Fintech both physical & digital journeys
• Strong analytical skills coupled with good understanding of Credit risk management, scorecards

What's on Offer

• Competitive Salary
• Opportunity to work with a leading brand

Skills Required

Data Analytics, Credit Risk Management