Policy Manager - Direct Assignment / Securitization / Co-Lending

Job Description

· Periodic review and modification of DA Board policy and Pool selection criteria · Preparation of Monthly dashboard and quarterly heath review of portfolio. · Management discussion with Bank/NBFC who is proposing to sell pool. Management discussion is done to understand the sourcing, underwriting, portfolio management & collection process. · Fixing & reviewing pool criteria for different products. Pool criteria are shared with Bank/NBFC which helps them carve out pool as per YBL requirements. · Review of Loss Estimation Report given by Rating agency. · Preparing Portfolio cuts & pool Characteristic for IOM which is put up for approval · Review of IOM before it is put up for approval · Coordinating with Bank/NBFC for due diligence. (Location of due diligence, Scan/Physical files, Infrastructure – system/manpower support) · Preparation of pool selection checklist for due diligence product wise. · Review of the due diligence done by Credit & Operations. · Engaging with Business/ Credit / Operations (internal stake-holders) and Bank/NBFC (external stake-holders) to close queries/open points of review. · Monitoring of portfolio product wise and identify key performance indicator. Engagement with originator to understand delinquency trends and reasons for delinquency. · Tracking of exceptions/deferrals taken by Business & follow up for closures. · Engagement with Compliance/ Governance / Internal audit for data submissions and closure of queries/ clarifications. What we are looking for · Good understanding of Retail Asset products – Mortgages/Vehicles/Microfinance/ unsecured · Strong knowledge & experience of analyzing large data sets · Good MS Excel knowledge · Excellent communication skills (written/oral) · Strong Analytical skills · Should take complete ownership of assigned activity. · Pro-active and flexible Qualification and Experience required · CA / MBA · Candidate should be having at least 2-5 (Manager/ senior Manager) 5-10 years’ (AVP position) experience in Retail Asset products – Securitisation/Credit/Sales/Operations Show more Show less