Posted:4 hours ago|
Platform:
Work from Office
Full Time
• Draft the credit policy for the personal loan product seeking to achieve a balance between business growth and risk metrics.• Closely interact with the technology team to ensure that the credit policy rules are appropriately coded in the Business rule engine.• In addition, adhere to Regulatory and Audit Compliance• Review and Monitor Branch Underwriter in Loan Appraisals, TAT, Risk Appetite and Support to Business• Assist in building towards a strong digital credit appraisal process• Process Key Improvement Activities• Proactively monitor the credit performance of the portfolio and make suitable changes to the policy to reduce segments that have a disproportionate contribution to credit losses• Conduct Review of the disbursements Files to validate Process requirements and Policy adherence Completeness and Accuracy• Proactively inform Team of Upcoming Red Flags and Triggers• To identify Portfolio Risk in Underlying Business Practices and Fraud Exposures• Training the Credit Managers on Processes and policies• Work Closely with Regional Sales , Product Group and Credit Managers and Operations to constantly refine credit underwriting processes in Region / State.• Work closely with the Decision science teams to aid in the development of robust credit models• Maintain data on Credit waivers and Deviations and track the same
CA / MBA – Finance with 10+ years of experience in Risk policies for personal loan in Bank / NBFC can apply - Durgesh.ojha@skillventory.com
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