Team Member-Risk Process-Support Services-Consumer Risk

Job Description : To manage credit risk across the Consumer Bank portfolio by ensuring robust underwriting, portfolio analytics, early warning detection, and policy compliance. The role involved risk evaluation of proposals, driving risk-adjusted growth, and supporting regulatory and internal audits.

Key Responsibilities :

The role requires to process, implement and develop risk strategies for Consumer business

• Operate and maintain an effective risk management system by creating a robust risk framework which includes risk identification, assessment, mitigation, tracking and reporting
• Evaluate product / programs / policies in line with regulatory guidelines and build strong risk controls across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation, etc.)
• Assessment of scorecards and formulation of policies / strategies basis scorecard
• Ensure credit policies align with business strategy and RBI regulatory norms.
• Conduct regular monitoring of portfolio KPIs : bounce rates, delinquency trends, and EWS.
• Build and monitor EWS dashboards to detect stress in mortgage portfolio.
• Use statistical tools (Excel, SQL, SAS, Python) for deep-dive analytics where needed.
• Support ICAAP, IRB and stress testing documentation as needed.

Job Requirements :

Skills Required

Sql, Data Mining, Excel, Python, Bre, Sas