Policy Manager

2 days ago

Mumbai City District, India Ambit Finvest Full time

Key Responsibilities:

A. Credit Policy & Guideline Formulation:

  • Design, develop, and regularly update credit policies, acceptance criteria, and underwriting guidelines tailored for BC/FLDG partners.
  • Customize policy parameters based on factors like partner profiles, customer segments, geographical presence, and risk appetite.
  • Develop and maintain Standard Operating Procedures (SOPs) for risk monitoring teams overseeing partner operations.
  • Ensure alignment of policies with internal risk standards and external regulatory requirements.

B. Process Design & Implementation:

  • Design, review, and implement end-to-end processes for the entire loan life cycle managed through BC/FLDG partners, from customer onboarding to loan closure.
  • Identify and mitigate risks while improving key performance indicators such as Turnaround Time (TAT) and customer experience.
  • Collaborate with technology and operations teams to enhance systems for seamless implementation of policies and processes.

C. Portfolio Monitoring & Risk Management:

  • Continuously monitor and analyze the performance of the BC/FLDG-sourced portfolio, including asset quality, collections, and profitability.
  • Develop and manage a robust MIS system for tracking portfolio performance, collateral status, and identifying early warning signals for potential problem accounts.
  • Prepare and present detailed risk assessments and portfolio reviews to senior management.
  • Monitor collections, NPA status, and legal cases related to the partner portfolio and recommend corrective actions.

D. Stakeholder Collaboration & Reporting:

  • Work closely with business development, credit, and operations teams to align risk and business expectations for partnerships.
  • Conduct regular portfolio reviews and performance discussions with partners to address any gaps.
  • Perform audits and checks to ensure adherence to defined policies and processes by partners.

Qualifications & Experience:

Educational Background:

  • MBA (Finance), Chartered Accountant (CA), or a postgraduate degree in a related field.

Experience:

  • 5-8 years of relevant experience in credit policy, credit risk management, or portfolio management within the banking or NBFC sector.
  • Experience in managing policies for Business Correspondents (BCs), DSAs, or other lending partnerships is highly preferred.

Domain Knowledge:

  • In-depth understanding of retail lending products and the entire loan life cycle.
  • Strong knowledge of regulatory guidelines related to lending, partnerships, and FLDG.

Skills:

  • Strong analytical and problem-solving skills, with a data-driven approach to decision-making.
  • Excellent communication, presentation, and interpersonal skills.
  • Proficiency in data analysis tools and the MS Office Suite.
  • Ability to work collaboratively with cross-functional teams to ensure policy alignment

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