Senior Manager - Policy & Risk Analytics

Senior Manager - Policy & Risk Analytics

Roles and Responsibilities:

• Responsible for

  writing and developing comprehensive credit policies

  specifically for Home Loans and Loan Against Property (LAP) products.
• Implement robust frameworks for the

  monitoring of portfolio quality

  , identifying trends, risks, and opportunities to ensure sound lending practices.
• Conduct engaging and informative

  trainings for business and credit teams

  on policy matters, ensuring clear understanding and consistent application.
• Lead initiatives for

  digitizing the credit processes

  , including identifying areas for automation, enhancing system capabilities, and contributing to the overall digital transformation journey.
• Collaborate with various stakeholders including business, credit, collections, product, operations, and compliance teams to ensure policy alignment and effective implementation.
• Analyze market trends, regulatory changes, and portfolio performance analytics to continually recommend policy enhancements.
• Contribute to setting up risk thresholds and program risk acceptance criteria for assigned products.

Skills Requirement:

• Strong expertise in

  credit policy development and implementation

  for retail lending products, particularly Home Loans and LAP.
• In-depth understanding of

  portfolio quality monitoring techniques

  and early warning indicators.
• Proven ability to conduct effective

  training sessions

  on complex policy matters.
• Experience in

  digitizing credit processes

  and enhancing system capabilities for digital lending journeys.
• Excellent analytical skills for data-driven policy decisions and risk assessment.
• Strong knowledge of credit risk management principles and practices.
• Familiarity with regulatory guidelines related to housing finance and LAP.
• Exceptional communication and interpersonal skills for stakeholder collaboration.

QUALIFICATION:

• Graduate / Post graduate