Assistant Vice President Risk Management

Responsibilities will include

Functional Expertise

⮚ Credit Risk Policies

▪ Design, develop and implement robust risk policies and procedures for Unsecured/Secured Revenue based, Supply Chain, Invoice based financing ensuring alignment with the organization’s risk appetite and regulatory requirement

▪ Conduct comprehensive risk assessments and analysis for unsecured lending portfolios, identifying potential risks and opportunities to enhance risk-adjusted returns.

▪ Independently able to conduct Credit Underwriting for higher ticket size [Upto Rs.5 Crs] proposals for Unsecured – Revenue Based/Supply Chain/Invoice Financing

▪ Oversee credit risk management activities, BRE rules, underwriting standards, and portfolio monitoring, to optimize portfolio performance.

▪ Stay abreast of regulatory developments and ensure strict compliances with relevant regulations, guidelines, and industry standards pertaining to unsecured/secured lending for Revenue Based/Supply Chain/Invoice Financing for higher ticket size

▪ Collaborating with relevant stakeholders including partners, Business Team, Operations, legal, tech, Compliance and other support team to integrate risk alignment with the overall organization goal.

▪ Engaged in regular Credit Quality Review, track key Credit Metrics, identifying and gathering all critical information pertaining to Credit Risk on lending book and suggesting credit risk mitigation strategies as a part of regular and adhoc presentation to management

⮚ Technical Skill

▪ Credit Underwriting [Ticket size upto Rs. 5 Crs] 7 Credit Policies

▪ Strong hold in MS Excel and Powerpoint presentations

▪ Should have expertise in creating analytical Dashboards for Portfolio

⮚ Problem Solving

● Strong analytical skill

● Capability to understand the complex issues and come up with mitigants/solutions

● Attitude to be strictly positive with strong capability to come up with problem solving solutions

Challenges & Decisions

● Capability to take prompt decision in a given situation

● Should be able to work towards structuring the Risk function

Qualification & Experience

● CA/MBA (Finance)

● Banking/NBFC – Lending Business

● Minimum- 15 years in Risk Policy / Banking Relevant- 7-8 years in Risk Policy and

● Credit roles; experience both in Risk Policy & Credit Underwriting is preferred

Skills & know-how

● Credit Underwriting for Unsecured higher ticker size [RBF/SCF]

● Credit Policy formusltion

● Strong MS Excel and MS Powerpoint