Assistant Vice President Risk Management

Responsibilities will include: Functional Expertise: You will be responsible for designing, developing, and implementing robust risk policies and procedures for Unsecured/Secured Revenue based, Supply Chain, and Invoice based financing, ensuring alignment with the organization's risk appetite and regulatory requirements. This will involve conducting comprehensive risk assessments and analysis for unsecured lending portfolios, identifying potential risks and opportunities to enhance risk-adjusted returns. You should be able to independently conduct Credit Underwriting for higher ticket size [Up to Rs. 5 Crs] proposals for Unsecured Revenue Based/Supply Chain/Invoice Financing. Additionally, overseeing credit risk management activities, BRE rules, underwriting standards, and portfolio monitoring to optimize portfolio performance is crucial. Staying updated on regulatory developments and ensuring strict compliance with relevant regulations, guidelines, and industry standards pertaining to unsecured/secured lending for Revenue Based/Supply Chain/Invoice Financing for higher ticket size will be part of your responsibilities. Collaboration with relevant stakeholders, including partners, Business Team, Operations, legal, tech, Compliance, and other support teams to integrate risk alignment with the overall organizational goal is essential. Engaging in regular Credit Quality Review, tracking key Credit Metrics, identifying and gathering critical information pertaining to Credit Risk on the lending book, and suggesting credit risk mitigation strategies as a part of regular and ad-hoc presentations to management is also required. Technical Skills: You should have expertise in Credit Underwriting [Ticket size up to Rs. 5 Crs] and Credit Policies. A strong proficiency in MS Excel and Powerpoint presentations is necessary. Creating analytical Dashboards for the Portfolio will also be part of your technical skillset. Problem Solving: Demonstrating strong analytical skills and the capability to understand complex issues to come up with mitigants/solutions is crucial. You should maintain a strictly positive attitude with a strong capability to come up with problem-solving solutions. Challenges & Decisions: You must have the capability to make prompt decisions in various situations and work towards structuring the Risk function effectively. Qualifications & Experience: Candidates with a CA/MBA (Finance) qualification and experience in Banking/NBFC Lending Business are preferred. A minimum of 15 years in Risk Policy/Banking with relevant experience of 7-8 years in Risk Policy and Credit roles, including experience in both Risk Policy and Credit Underwriting, is desirable. Skills & Know-how: Skills required for this role include Credit Underwriting for Unsecured higher ticket size [RBF/SCF], Credit Policy formulation, and a strong command over MS Excel and MS Powerpoint.,