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Kotak Mahindra
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Team Member-Risk-HOUSING FINANCE-Risk

Team Member-Risk-HOUSING FINANCE-Risk

Kotak Mahindra

7 - 8 years

3 - 4 Lacs

Mumbai

Posted:14 hours ago| Platform: GlassDoor logo

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Skills Required

risk finance portfolio underwriting analytics compliance evaluation strategies management assessment tracking reporting controls onboarding strategy monitoring excel sql sas python support testing documentation certification data sigma visualization automation

Work Mode

On-site

Job Type

Part Time

Job Description

Job Purpose:

To manage credit risk across the Housing Finance portfolio by ensuring robust underwriting, portfolio analytics, early warning detection, and policy compliance. The role involved risk evaluation of home loan proposals, driving risk-adjusted growth, and supporting regulatory and internal audits.

Key Responsibilities:

The role requires to process, implement and develop risk strategies for Home loan business

Operate and maintain an effective risk management system by creating a robust risk framework which includes risk identification, assessment, mitigation, tracking and reporting
Evaluate product/programs/policies in line with regulatory guidelines and build strong risk controls across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation, etc.)
Assessment of scorecards and formulation of policies/ strategies basis scorecard
Ensure credit policies align with business strategy and RBI regulatory norms.
Conduct regular monitoring of portfolio KPIs: bounce rates, delinquency trends, and EWS.
Build and monitor EWS dashboards to detect stress in mortgage portfolio.
Use statistical tools (Excel, SQL, SAS, Python) for deep-dive analytics where needed.

Job Requirements:

MBA/ Postgraduate in Banking Industry.

Certification in credit risk, data analytics, six sigma and FRM is an advantage.

7-8 years of experience in private banks or large sized housing finance companies. Experience in Legal/ Technical evaluation is an added advantage.

Experience in implementing scorecard models in policy and credit decisioning process.

Proficiency in data mining and using visualization tools will be an added advantage.

Experience in implementing BRE and rule-based underwriting and enabling automation of credit checks.

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