Policy Manager - BC/FLDG Partnerships

Key Responsibilities:

A. Credit Policy & Guideline Formulation:

• Design, develop, and regularly update

  credit policies

  ,

  acceptance criteria

  , and

  underwriting guidelines

  tailored for BC/FLDG partners.
• Customize policy parameters based on factors like partner profiles, customer segments, geographical presence, and risk appetite.
  
• Develop and maintain

  Standard Operating Procedures (SOPs)

  for risk monitoring teams overseeing partner operations.
• Ensure alignment of policies with

  internal risk standards

  and

  external regulatory requirements

  .

B. Process Design & Implementation:

• Design, review, and implement end-to-end processes for the entire

  loan life cycle

  managed through BC/FLDG partners, from

  customer onboarding

  to

  loan closure

  .
• Identify and mitigate risks while improving key performance indicators such as

  Turnaround Time (TAT)

  and

  customer experience

  .
• Collaborate with

  technology

  and

  operations teams

  to enhance systems for seamless implementation of policies and processes.

C. Portfolio Monitoring & Risk Management:

• Continuously monitor and analyze the performance of the

  BC/FLDG-sourced portfolio

  , including asset quality, collections, and profitability.
• Develop and manage a robust

  MIS system

  for tracking portfolio performance, collateral status, and identifying early warning signals for potential problem accounts.
• Prepare and present

  detailed risk assessments

  and portfolio reviews to senior management.
• Monitor

  collections

  ,

  NPA status

  , and

  legal cases

  related to the partner portfolio and recommend corrective actions.

D. Stakeholder Collaboration & Reporting:

• Work closely with

  business development

  ,

  credit

  , and

  operations teams

  to align risk and business expectations for partnerships.
• Conduct regular

  portfolio reviews

  and performance discussions with partners to address any gaps.
• Perform

  audits

  and checks to ensure adherence to

  defined policies

  and

  processes

  by partners.

Qualifications & Experience:

Educational Background:

• MBA (Finance), Chartered Accountant (CA), or a

  postgraduate degree

  in a related field.

Experience:

• 5-8 years

  of relevant experience in

  credit policy

  ,

  credit risk management

  , or

  portfolio management

  within the

  banking

  or

  NBFC sector

  .

• Experience in managing policies for Business Correspondents (BCs)

  ,

  DSAs

  , or other lending partnerships is

  highly preferred

  .

Domain Knowledge:

• In-depth understanding of

  retail lending products

  and the entire

  loan life cycle

  .
• Strong knowledge of

  regulatory guidelines

  related to

  lending

  ,

  partnerships

  , and

  FLDG

  .

Skills:

• Strong

  analytical

  and

  problem-solving skills

  , with a data-driven approach to decision-making.
• Excellent

  communication

  ,

  presentation

  , and

  interpersonal skills

  .
• Proficiency in

  data analysis tools

  and the

  MS Office Suite

  .
• Ability to work collaboratively with cross-functional teams to ensure policy alignment