Sr. Credit Policy Manager-personal Loan

3 days ago

Mumbai Maharashtra, India Acura solutions Full time

Job Purpose The role holder has the responsibility of managing assessing and monitoring the policy norms It entails the responsibility of defining the risk appe te and broad level policies for the assigned products facilita ng technological requirements and ensuring adherence to the statutory guidelines contribu ng to the larger objec ves of the bank Roles Responsibilities Understanding of retail loan products especially PL TW Used Car and Commercial Vehicle Loans - preferred experience in underwri ng product management of CV CE and Auto Loans Facilitate regular asset quality reviews with provision of analy cs insights to iden fy risks opportuni es and recommend relevant ac ons Ensure program risk acceptance criteria are reviewed regularly with mely updates for proac ve adapta on to changes in legal regulatory requirements business strategies market environment or por olio performance Assist in building strong controls to mi gate risks across all spectrums Onboarding Credit Opera ons Fraud Reputa on Foresee por olio direc on loss es mates and how to control the same Monitor por olio delinquencies at a micro level - iden fica on of segments loca ons and profiles which are delinquent Ability to shape the risk appe te of the product in line with growth objec ves and Risk Appe te framework of the bank alongside risk based pricing Facilitate implementa on of technological interven ons like scorecards digital journeys and automa on to the streamline processes Recommend improvements to processes and policies across the Retail Banking business to drive opera onal efficiencies and high quality customer service Leverage in-house synergies through collabora on with internal stakeholders A ract and retain best-in-class talent for key roles in their repor ng structure

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