Risk Manager-SALARIED PERSONAL LOANS-NEW-Risk

14 hours ago

Mumbai India Kotak Mahindra Bank Limited Full time

Job Description

Job Description:

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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