Risk Lead-Consumer Durable Loan

As a Risk Lead for Consumer Durable Loan in the Retail Business Risk department, your role involves preparing and implementing policies to mitigate risks in the Consumer Durable business. Your primary responsibilities include robust customer segmentation, policy development, proactive portfolio management, and enhancing digital underwriting processes. Key Responsibilities: - Ensure fulfillment of all requirements and effective risk mitigation while delivering high-quality customer service. - Identify early warnings and internal controls for the portfolio. - Draft and update policy documents for business banking products. - Implement policies to maintain portfolio quality and meet target Turnaround Time (TAT). - Utilize automation tools to enhance process efficiency. - Collaborate with teams to provide analytics and data-driven insights for portfolios. - Partner with underwriting, sales, and product teams to proactively adjust policies based on market feedback. - Ensure compliance with internal policies and regulatory frameworks. - Manage vendors supporting risk processes. Additional Company Details: - Champion the use of market intelligence and data analytics to support the bank's growth and profitability goals. - Stay updated on global market trends and competitor strategies. - Lead initiatives to reduce operational costs and enhance profitability. Managerial and Leadership Responsibilities: - Monitor productivity, hiring quality, and attrition rates to drive improvements. - Promote a customer-first culture within the team for exceptional customer service. - Recruit and retain top talent for key roles. - Collaborate with various teams to ensure smooth business operations. - Work with the Policies team to make decisions within the prescribed framework. Qualification Required: - Graduation: Bachelor's degree in any relevant stream. - Post-graduation: Any stream. - Experience: 6+ years of relevant experience.,