Senior Policy Manager

The Senior Policy Manager in the Retail Banking department is responsible for managing, assessing, and monitoring policy norms. Your role involves defining the risk appetite and broad level policies for assigned products, ensuring adherence to statutory guidelines, and contributing to the larger objectives of the bank. You will be responsible for facilitating regular asset quality reviews, providing analytical insights to identify risks and opportunities, and recommending relevant actions. It is crucial to review program risk acceptance criteria regularly and update them proactively in response to changes in legal/regulatory requirements, business strategies, market environment, or portfolio performance. Additionally, you will assist in building strong controls to mitigate risks across various spectrums such as Onboarding, Credit, Operations, Fraud, and Reputation. You should have the ability to anticipate portfolio direction, estimate losses, and implement measures to control them. Monitoring portfolio delinquencies at a micro level to identify delinquent segments, locations, and profiles is also part of your responsibilities. Furthermore, you are expected to shape the risk appetite of the product in alignment with growth objectives and the Risk Appetite framework of the bank, integrating risk-based pricing. Implementing technological interventions like scorecards, digital journeys, and automation to streamline processes is also a key aspect of your role. You will be required to recommend improvements to processes and policies across the Retail Banking business to enhance operational efficiencies and deliver high-quality customer service. Collaboration with internal stakeholders to leverage in-house synergies is essential for success in this role. Qualifications: - Graduate in any field - Post Graduate in any field Experience: - Minimum of 6+ years of experience,