Lead - Risk & Policy - Cross Sell & Data Capabilities

2 weeks ago

Gurgaon, India Michael Page Full time

About Our Client

This opportunity is with a well-established, medium-sized financial services provider specialising in retail banking and loans. The organisation is known for its robust market presence and commitment to delivering tailored financial solutions to its clients.

Job Description

- Lead Risk & Policy for all Horizontal Cross-Sell businesses including PL, TW, Auto, BL, Credit Line

- Lead Horizontal Risk Data strategies and new capabilities - Strengthen, Deepen existing data usages; Explore, Consume, Evolve new data sources and use cases

- Maintain credit quality of all Cross- sell portfolios. Ensuring Credit Loss and credit cost is within projected levels on all such portfolios.

- Design/develop/review policies, new programs, processes, products from risk management perspective, in line with best industry practice.

- Strengthen Pre-qualification and Preapproval filters and policies

- Lead, innovate and release amendments in the policies and programs across all products with an optimal mix of risk philosophy and use of Data Science - risk score cards, statistical models to help business have competitive edge in the market and mitigate Risk for assigned portfolios.

- Rule engine based automated models and approval process to improve customer on-boarding experience, Underwriting checks, Pre-approval frameworks

- Drive and monitor the loans portfolio on daily/weekly/monthly basis to maintain risk metrics at desired levels by continuously analysing, identifying, and eliminating the high- risk segment from portfolio. Recommend corrective actions for maintaining a healthy portfolio and lower loss rates.

- Define various metrics & tracking's for assessment of the through the door quality, approvals and performance

- Lead execution, tracking & change management ranging from new partner enrolment, formulating policies and processes, define success metrics and loss forecasting.

- Anticipate impact on business when recommending changes to balance risk/reward

- Drive deep data analytics for decision making on risk & opportunities

- Ensure adherence to RBI norms, internal audit findings, and compliance standards.

- Help prepare risk tracking's for senior management and regulatory bodies.

- Lead internal and external audits, hind sighting related to policies, processes & underwriting

- Collaborate with credit underwriting teams, collections & business stakeholders for problem solving

- Work with internal analytics, products teams to identify opportunities & sharpen risk outcome & business growth

- Work closely with tech, fraud, collections, compliance teams to drive improvements and contain risk/fraud.

- Drive deep analytics & monitoring of the portfolio & take proactive measures to improve portfolio health & enable business growth.

- Collaborate within Risk Verticals to enhance data capabilities and use cases with new data sources

The Successful Applicant

- Experience of managing portfolio and policies of Unsecured Personal Loan/Consumer Loans/Credit Card/ Cross Sell Programs in Banks/NBFC/Fintech; Experience of working with Alternate Data streams and sources will be preferred

- Experience of managing portfolio and policies of Unsecured Personal Loan/Consumer Loans/Credit Card/Cross Sell Programs in Banks/NBFC/Fintech

- Strong analytical skills coupled with good understanding of Credit risk management, scorecards.

What's on Offer

A competitive salary

Opportunity to work with a leading brand

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