Risk Manager - Consumer Durable

Job Requirements

Role/ Job Title: Risk Manager - Consumer DurableBusiness: Retail BankingFunction/ Department: Retail Business RiskPlace of Work: Mumbai

Roles & Responsibilities

'Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actionsEnsure 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 performanceAssist in building strong controls to mitigate risks across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation)Foresee portfolio direction, loss estimates and how to control the sameMonitor portfolio delinquencies at a micro level - identification of segments, locations and profiles which are delinquentAbility to shape the risk appetite of the product in line with growth objectives and Risk Appetite framework of the bank alongside risk based pricingFacilitate implementation of technological interventions like scorecards, digital journeys and automation to the streamline processesRecommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high quality customer serviceLeverage in-house synergies through collaboration with internal stakeholders

Managerial & Leadership Responsibilities

'Attract and retain best-in-class talent for key roles in their reporting structure