Lead – Risk (Affordable Mortgages)

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