Policy and Risk

4 weeks ago


Mumbai, India V Konnect Full time

Job Description Key Responsibilities: - Manage Policy & Portfolio for Loan Against Properties (LAP) / Home Loans. - Should have prior experience Prime Home Loan OR Prime LAP - Formulation & implementation of credit policy framework for Housing Loan product within regulatory guidance & risk appetite of the bank. - Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. - Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders. - Ensuring process & underwriting efficiencies through tech initiatives/digitalization. - Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance. - Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies. - Support system changes to improve quality of data and ease of processes. - Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews.


  • Risk, Policy

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  • Lead Risk Policy

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    mumbai, India Hiranandani Financial Services Full time

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