Job
Description
About The Role PositionManager / Sr. Manager Risk Commercial Bank LocationGoregaon DepartmentCredit Risk [Construction Equipment / Microfinance / Tractor] Reports ToAVP / VP Risk Role Objective To strengthen the credit risk function for CE / MFI / Tractor portfolios by driving policy, process, automation, portfolio monitoring, and early risk identification, in line with digital risk management frameworks and governance standards. Key Responsibilities Monitor early delinquency, bounce movement, and flow rates (30+ to 90+, 90+ to NPA) to identify stress pockets. Prepare and track GCL budgets, support stress-testing and scenario-based risk assessments. Draft and maintain credit risk policies and process documents, ensuring governance and audit readiness. Identify automation opportunities in risk policy and push for integration via BRE / LOS / STP frameworks. Design and implement RBA (Risk-Based Approval) and STP scorecard-based underwriting models. Perform case-wise analysis of high-ticket delinquents, NPAs, and non-starters with recovery recommendations. Prepare NPA notes, RCA (Root Cause Analysis), and track implementation of preventive actions. Automate portfolio monitoring using Python, Excel macros, or BI tools. Coordinate RCSAs and internal process audits within the risk function. Interact with business, collections, product, and legal teams to ensure cross-functional alignment. Conduct training and orientation sessions on new risk policies and process changes. Skills & Knowledge Requirements 37 years of experience in at least 3 of the followingcredit underwriting, risk policy, product/process implementation, audit, digitization, or automation (preferably with 23 years in automation). Hands-on experience in risk policy/process writing and process control. Strong understanding of banking systems, BRE engines, and LOS platforms. Ability to identify gaps, eliminate redundant flows, and drive process automation across credit lifecycle. Previous exposure to lending (retail or MSME) side of banking or NBFCs preferred. Sharp analytical mindset with eye for detail; capable of identifying digitization opportunities. High proficiency in MS Excel; working knowledge of Python / SQL / BI tools is an added advantage. Effective communication and stakeholder management; able to handle conflicting views and drive consensus. Good written English for documentation, policy writing, and presentations. IT background or exposure to risk-tech integration is an added advantage.
