Lead Policy-Vehicle Loans

Job Requirements

Role/ Job Title:

Function/ Department:

Job Purpose

Roles & Responsibilities

• Position with retail risk team under CRO vertical, with reporting to Risk Head - Vehicle loans or equivalent
• Understanding of retail loan products, especially TW, Used Car, and Commercial Vehicle Loans – preferred experience in underwriting / product management of CV/CE and Auto Loans.
• Data crunching abilities. Detailed knowledge of portfolio review basis nature/market and features of product and ability to understand stress segment of the same.
• Setting ups of risk thresholds for the assigned products within the overall risk appetite of the bank, in coordination with business team based on projections and budgets.
• Risk reporting of portfolio and breaches to thresholds set product wise. Ability to analyze reasons of portfolio performance and enact on corrective measures appropriately.
• Vetting policy proposition and approving policy modifications based on merits and associated credit risk.
• Understanding of credit scoring models and working with stakeholders to strategize model deployment.
• Proactive engagement with counterparties / stakeholders for fruitful discussion and execution of risk practices.
• Regular monitoring of the portfolio performance on early risk indicators/ TTD trends / Segment Mix for assessment of impact of the policy changes.
• Willing to work on complex data for meaningful insights to enable risk assessment and decision.
• Compliance to audit requirements
• Compliance to regulatory guidelines for assigned products.
• Attract and retain best-in-class talent for key roles in their reporting structure.
  

Education Qualification

Experience: