Risk Manager-salaried Personal Loans-new-risk

5 days ago

Mumbai Maharashtra, India Kotak Mahindra Bank Full time

Job Category KMBL Degree Level Bachelor s Degree Function Risk Policy unsecured retail consumer loan Location Head Office Mumbai Job Role Personal loan Policy Manager Grade M5 Number of Position 1 Job Responsibilities The role requires to process implement and develop risk strategies for personal loan business Operate and maintain an effective risk management system by creating a robust risk framework which includes risk identification assessment mitigation tracking and reporting Management of portfolio risk to maintain the overall losses in the business Monitor portfolio delinquencies at micro level identification of segments locations channels profiles and proposing policies strategies to enable business and control risk 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 Implementation of technological interventions like scorecard digital journey and automations Using analytics to track various risk KPIs against the defined risk appetites Recommend improvement to processes and policies to drive operational efficiencies Job Requirements Minimum 5year of experience in similar role of policy team in large sized NBFCs or Banks or ay MNC Knowledge about policy framework pertaining to personal loan product Unsecured product Should have good command over language and have good communication skills Should have experience in handling teams and coordination with various stakeholders Experience in data analytical tools like SAS SQL or Python and visualization tools like Powerbi Should have strong analytical skills Personality Traits Sharp analytical skills and ability to imagine and anticipate probable risks in lending processes Ability to conceptualize and create user-friendly processes and flows Sharp verbal and written communication skills Strong on Microsoft tools like Excel PowerPoint etc Experience in coding and analytical tools is preferred Ability to deliver projects within tight deadlines Education qualification Btech MBA or Grad Post Grad in statistics Certification in coding languages like SAS SQL Python

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