Risk Manager - Consumer Durable

As a Risk Manager for Consumer Durable in Retail Banking at Mumbai, your role involves facilitating regular asset quality reviews with provision of analytics insights to identify risks/opportunities and recommend relevant actions. You will ensure that program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal/regulatory requirements, business strategies, market environment, or portfolio performance. Your responsibilities also include building strong controls to mitigate risks across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation) and foreseeing portfolio direction, loss estimates, and how to control the same. You will monitor portfolio delinquencies at a micro level, identifying segments, locations, and profiles that are delinquent. Additionally, you should have the ability to shape the risk appetite of the product in line with growth objectives and Risk Appetite framework of the bank alongside risk-based pricing. Moreover, you will be required to facilitate the implementation of technological interventions like scorecards, digital journeys, and automation to streamline processes. Recommending improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service will also be part of your role. Leveraging in-house synergies through collaboration with internal stakeholders is essential. Your managerial and leadership responsibilities will involve attracting and retaining best-in-class talent for key roles in your reporting structure.,