Risk Manager

2 weeks ago


Mumbai, Maharashtra, India Kotak Mahindra Bank Full time

To manage credit risk across the Housing Finance & Loan Against Property portfolios by ensuring robust underwriting, portfolio analytics, early warning detection, and policy compliance. The role involves risk evaluation of Home Loan & Loan Against Property 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 & Loan Against Property businesses
  • 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.
  • Support ICAAP, IRB and stress testing documentation as needed.

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