Lead Risk (Affordable Mortgages)

Role Overview: As a Lead Risk (Affordable Mortgages) at our company, your primary responsibility will be to lead the Credit Policy and Risk function for Mortgages. You will drive strategic enhancements in product policies, process improvements, and technology initiatives to ensure robust risk management aligned with business growth. Your role will involve collaborating with various departments and stakeholders to support product innovation and market responsiveness. Key Responsibilities: - 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. - 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. - 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. Additional Details: Your role will require strong analytical, influencing, and collaborative skills along with excellent oral and written communication. A strategic mindset with hands-on execution capability will be essential. Proficiency in Microsoft Office (Excel, Word, PowerPoint) is required, and SQL knowledge is a plus. A deep understanding of retail lending processes, documentation, and risk will be beneficial for this role.,