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Lead – Risk (Affordable Mortgages)

Lead – Risk (Affordable Mortgages)

Godrej CapitalMumbai, Maharashtra, India
2 days ago
Job description

Lead – Risk (Affordable Mortgages)

Grade : L2 –Manager

Reporting to : Head – Risk (Secured Lending)

Location : Head Office

Function : Risk

Job Purpose

Lead the Credit Policy and Risk function for Mortgages, driving strategic enhancements in product policies, process improvements, and technology initiatives. Act as a key influencer across departments to ensure robust risk management aligned with business growth.

Key Responsibilities

Credit Policy

  • Independently manage and continuously enhance credit policies, balancing business needs with risk appetite.
  • Conduct market studies and peer benchmarking to integrate best practices into product policies.
  • Provide timely guidance and responses to policy queries to support business decisions and foster a strong risk culture.
  • Engage with senior and top management to present policy updates, portfolio insights, and innovative risk strategies.

Stakeholder Collaboration

  • Offer ongoing feedback to Business, Analytics, Technology, Operations, and Credit teams to support product innovation and market responsiveness.
  • Disseminate policies effectively through training, knowledge tools, and clear communication to all relevant stakeholders.

    • Portfolio Monitoring & Risk Analytics

  • Develop and maintain dashboards to monitor key risk indicators and portfolio health.
  • Conduct real-time transaction monitoring to ensure policy compliance and uphold risk standards.
  • Provide analytical insights to maintain portfolio quality and preempt emerging risks.

    • Qualifications & Experience

    Education : CA / MBA (mandatory)

    Experience : 4-5 years in Retail Lending Risk, with strong exposure to Affordable Mortgages

    Preferred Background : Manager in a reputed HFC, Bank.

    Skills & Competencies

  • Strong analytical, influencing, and collaborative skills
  • Excellent oral and written communication
  • Strategic mindset with hands-on execution capability
  • Proficient in Microsoft Office (Excel, Word, PowerPoint); SQL knowledge is a plus

    • Deep understanding of retail lending processes, documentation, and ris

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