Senior Mortgage Risk Manager

2 days ago

Mumbai, Maharashtra, India beBeeRiskManagement Full time ₹ 1,50,00,000 - ₹ 2,50,00,000
Risk Management Specialist for Mortgages

At our company, we're committed to building a long-term, sustainable retail financial services business in India.

We're seeking an experienced leader to head our Credit Policy and Risk function for Mortgages.

  • This role requires strong leadership skills, with the ability to drive strategic enhancements in product policies, process improvements, and technology initiatives.
  • The ideal candidate will have a deep understanding of retail lending risk management, with a focus on mortgages.

The successful candidate will lead a team of experts in credit policy development, stakeholder collaboration, and process enhancements.

Credit Policy Leadership:

  • Develop and continuously enhance credit policies, balancing business needs with risk appetite.
  • Conduct market studies and peer benchmarking to integrate best practices into product policies.
  • Provide timely guidance and responses to policy queries to support business decisions and foster a strong risk culture.

Stakeholder Collaboration:

  • Work closely with Business, Analytics, Technology, Operations, and Credit teams to support product innovation and market responsiveness.
  • Disseminate policies effectively through training, knowledge tools, and clear communication to all relevant stakeholders.

Process & System Enhancements:

  • Identify and drive process improvements based on audit findings, branch feedback, and operational observations.
  • Review systems and processes to enhance efficiency, reduce turnaround times, and maintain competitive advantage.

Portfolio Monitoring & Risk Analytics:

  • Develop and maintain dashboards to monitor key risk indicators and portfolio health.
  • Conduct real-time transaction monitoring to ensure policy compliance and uphold risk standards.

Technology & Innovation:

  • Liaise between Credit and Technology teams to define and implement system requirements.
  • Oversee system changes from requirement gathering to testing, training, and enhancement.

The ideal candidate will have a strong educational background, preferably CA or MBA, and over 10 years of experience in retail lending risk management, with a focus on mortgages.

Your Qualifications:

  • Candidate must have at least 10 years of experience in retail lending risk management, with a focus on mortgages.
  • CA or MBA degree required.

What We Offer:

A competitive compensation package and opportunities for professional growth.

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