Risk Manager-SALARIED PERSONAL LOANS-NEW-Risk

As a Personal Loan Policy Manager, your role involves processing, implementing, and developing risk strategies for the personal loan business. You are responsible for creating a robust risk framework that includes risk identification, assessment, mitigation, tracking, and reporting. Additionally, you will manage portfolio risk to maintain overall business losses and monitor portfolio delinquencies at a micro level to identify segments, locations, channels, and profiles for proposing policies/strategies. Key Responsibilities: - Process, implement, and develop risk strategies for the personal loan business - Create a robust risk management system including risk identification, assessment, mitigation, tracking, and reporting - Manage portfolio risk to control overall losses in the business - Monitor portfolio delinquencies at a micro level and propose policies/strategies for business enablement and risk control - Evaluate product/programs/policies according to regulatory guidelines and establish strong risk controls - Assess scorecards, formulate policies/strategies based on scorecards, and implement technological interventions - Use analytics to track various risk KPIs against defined risk appetites - Recommend process and policy improvements for operational efficiencies Qualifications Required: - Minimum 5 years of experience in a similar role in policy teams at large NBFCs, Banks, or MNCs - Knowledge of policy framework related to personal loan products/unsecured products - Strong command over language with excellent communication skills - Experience in team management and coordination with stakeholders - Proficiency in data analytical tools such as SAS, SQL, or Python, and visualization tools like Powerbi - Strong analytical skills,