4 Technological Interventions Jobs

As a Risk Manager for Consumer Durable in Retail Banking at Mumbai, your role involves facilitating regular asset quality reviews with provision of analytics insights to identify risks/opportunities and recommend relevant actions. You will ensure that program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal/regulatory requirements, business strategies, market environment, or portfolio performance. Your responsibilities also include building strong controls to mitigate risks across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation) and foreseeing portfolio direction, loss estimates, and how to control the same. You will monitor portfolio delinquencies at a micro level, identifying segments, locations, and profiles that are delinquent. Additionally, you should have the ability to shape the risk appetite of the product in line with growth objectives and Risk Appetite framework of the bank alongside risk-based pricing. Moreover, you will be required to facilitate the implementation of technological interventions like scorecards, digital journeys, and automation to streamline processes. Recommending improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service will also be part of your role. Leveraging in-house synergies through collaboration with internal stakeholders is essential. Your managerial and leadership responsibilities will involve attracting and retaining best-in-class talent for key roles in your reporting structure.,

The Risk Lead in the Retail Business Risk department is responsible for creating policies for multiple products and monitoring the sourced portfolio. You will evaluate product programs and policies in accordance with regulatory guidelines, implementing strong controls to mitigate risks across various areas such as onboarding, credit, operations, fraud, and reputation. Monitoring portfolio delinquencies at a detailed level is crucial, requiring identification of delinquent segments, locations, and profiles. Adherence to bank guidelines is a key aspect of the role. Furthermore, you will play a vital role in implementing technological interventions like scorecards, digital journeys, and automation to enhance process efficiency. Shaping the risk appetite of the product aligns with growth objectives and the Risk Appetite framework of the bank, including risk-based pricing. Utilizing analytics to track portfolio performance trends is essential, along with serving as a policy expert and conducting training sessions as needed. In addition, you will prepare a monthly newsletter providing a snapshot of portfolio performance, monthly acquisition trends, portfolio quality, and trigger monitoring. Sharing best-practice knowledge within the team, recommending process and policy improvements, and collaborating with internal stakeholders to leverage synergies are key responsibilities. Staying updated on global market trends and competitor strategies is crucial. Monitoring productivity, hiring quality, and costs through relevant scorecards is part of the role, along with building, grooming, and retaining a talented team to drive process efficiencies. Attracting and retaining top-class talent for key roles within the reporting structure is also a focus area. The ideal candidate for this role should have a graduation and post-graduation degree in any field, along with 7-12 years of experience in a relevant industry.,

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,

The role of a Personal Loan Policy Manager 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. Managing portfolio risk to maintain overall business losses is a critical part of your role. You will be required to monitor portfolio delinquencies at a micro level, identifying segments, locations, channels, profiles, and proposing policies/strategies to enable business growth while controlling risks. Evaluating products/programs/policies in line with regulatory guidelines and building strong risk controls across all spectrums is an essential aspect of the job. As a Personal Loan Policy Manager, you will assess scorecards and formulate policies/strategies based on scorecard evaluations. Implementing technological interventions such as scorecards, digital journeys, and automations is part of your responsibilities. Utilizing analytics to track various risk key performance indicators (KPIs) against defined risk appetites is crucial. You are expected to recommend improvements to processes and policies to drive operational efficiencies. The ideal candidate should have a minimum of 10 years of experience in a similar policy role, knowledge of policy frameworks related to personal loan products/unsecured products, excellent language skills, and effective communication abilities. Additionally, experience in team management, coordination with stakeholders, proficiency in data analytical tools like SAS/SQL & Python, and familiarity with Powerbi tools for visualization are required. Strong analytical skills are a must for this role.,