Risk Manager - Consumer Durable

Job Requirements

Role / Job Title : Risk Manager - Consumer Durable

Business : Retail Banking

Function / Department : Retail Business Risk

Place of Work : Mumbai

Roles & Responsibilities

'Facilitate regular asset quality reviews with provision of analytics insights to identify risks / opportunities and recommend relevant actions

Ensure program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal / regulatory requirements, business strategies, market environment or portfolio performance

Assist in building strong controls to mitigate risks across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation)

Foresee portfolio direction, loss estimates and how to control the same

Monitor portfolio delinquencies at a micro level - identification of segments, locations and profiles which are delinquent

Ability to shape the risk appetite of the product in line with growth objectives and Risk Appetite framework of the bank alongside risk based pricing

Facilitate implementation of technological interventions like scorecards, digital journeys and automation to the streamline processes

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

Managerial & Leadership Responsibilities

'Attract and retain best-in-class talent for key roles in their reporting structure

Skills Required

Automation, Analytics, Credit Operations