Policy and Risk - LAP/HL - Bank

5 - 10 years

10 - 20 Lacs

Posted:18 hours ago| Platform: Foundit logo

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Work Mode

On-site

Job Type

Full Time

Job Description

Key Responsibilities:

  • Manage Policy & Portfolio for Loan Against Properties (LAP) / Home Loans.
  • Should have prior experience Prime Home Loan OR Prime LAP

  • Formulation & implementation of credit policy framework for Housing Loan product within regulatory guidance & risk appetite of the bank.
  • Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern.
  • Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders.
  • Ensuring process & underwriting efficiencies through tech initiatives/digitalization.
  • Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance.
  • Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies.
  • Support system changes to improve quality of data and ease of processes.
  • Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews.

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