Lead-Secured Loan Policy

2 months ago


Delhi, India InCred Financial Services Full time
Designation Title: Lead-Secured Loan PolicyReporting to: Sr. Director- Secured Business LoanLocation: Mumbai-AndheriEducations: Bachelor’s degree in finance, Economics, Business Administration, or related fieldWork Experience: 10+ years of relevant experience.Role & Responsibilities:-

Managing retail policy for Secured business loans. Policy updating and competition mapping-

Implementation of pan India lending strategies which contribute to business growth and portfolio quality.-

Monitoring portfolio health and regular analysis the key metrics;

new business, delinquency, bounce rate etc, along with the presentation of insight for decision makers.-

Led preparation of Board Decks in collaboration with various stakeholder’s-

Review of the policies parameter to ensure that they are adequate to mitigate risk.-

Customized polices parameter to various segments like customer profile, geography, exposure level etc.-

Taking inputs from all stakeholders and ensuring that the risk – business expectations are well- balanced-

To perform periodic checks to ensure policy adherence e.G. Exposure restriction, Usage of computation methods etc.-

Design, review and implementation of entire loan life cycle from customer onboarding to closure of loan.-

Proposed the changes to processes based on new risk are identified proactively.-

Develop and implementation of review mechanism for Post Disbursal Document(PDD)-

Liaison with branch for PDD status and resolution updates to senior management.-

Conducted the UAT for new system development in LOS.LAP product is experience is mandatory
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