Credit Risk Policy

4 days ago

Delhi, India People Konnect Full time

Responsible for credit policy management and enterprise risk monitoring and controls.6-12 years of experienceResponsibilitiesPolicy ManagementClosely interact with credit underwriting, fraud control and collections teams to assess feedback for credit policy.Review loans as per credit deviation matrix.Monitor the changing environment and adapt the company’s products to the same which keeping in mind the inherent risks in the portfolio and the company’s risk appetite.Interact with the broad market players to analyse and internalise emerging risks in the marketplace.Monitor portfolio performance by segments and vintages and incorporate learning into credit policy.Enterprise Risk Management and Operational Risk ManagementIdentify potential risk events that may affect the company.Conceptualise and implement the framework to manage these risks based on the organisation's risk appetite.Set the right risk ownership framework within the organisation.Review current ORM mechanism in the company.Develop a Resilience framework as per the RBI requirement and recommend enhancements to existing processes/control.Policy document and other policiesMaintain updated business credit policy and risk manual, including:Risk FrameworkCredit Policy _ Retail and Non-RetailLegal and Technical ManualPolicy related to RBI’s scale-based regulationPolicy related to valuation and empanelment of vendorsORM frameworkICAAP policy and annual documentICAAP processCustodian of the Internal Capital Adequacy Assessment Process (ICAAP) Policy.Engage with relevant stakeholders and business units to recommend necessary amendments to this ICAAP Policy.Maintain all documentation supporting the ICAAP.Identification and assessment of all inherent and material risks and devising appropriate methodologies for the measurement of risks, considering the nature, size, and complexity of the Company’s operations, to measure the risk capital.Responsible for developing the methodology for the assessment of Pillar II risks.PeopleMaintain continual and smooth interaction with other functional units so as to seamlessly deliver the desired risk monitoring results.Participate in cross functional and strategic initiatives on a project basis as needed.Conduct training for sales, operations and any other function as may be required from time to time.ProcessDevelop a deep understanding of the company’s target segment and work at enhancing the delivery model to customers.Continually work with the underwriting team to improve the policy implementation process.Work closely with collections and business teams to gain deeper understanding of the borrower segments as well as portfolio behaviour.Create processes or training content to improve awareness of relevant teams on matters relating to compliance, controls and risk management.Create standard templates / checklists as required to drive uniformity and consistency in the credit assessment process.Conduct market / branch visits to review processes, impart training and deepen knowledge of the markets.CTC- Max 30 L pa

  • Head of Credit Risk

    6 days ago

    Delhi, Delhi, India Baid Stock Broking Services Full time ₹ 15,00,000 - ₹ 28,00,000 per year

    We are seeking an experienced and detail-oriented Credit Head to lead our credit assessment and risk management functions. This pivotal role is responsible for ensuring sound lending practices and minimizing credit risk associated with loan disbursement. The ideal candidate will possess a strong analytical background, deep expertise in credit risk...

  • Risk Analyst

    2 weeks ago

    Delhi, Delhi, India We credit Full time ₹ 3,00,000 - ₹ 3,50,000 per year

    About the Company :WeCredit is a fast-growing fintech company revolutionizing access to financial products in India. We partner with heading NBFCs to help Customers find the best online financial solutions, including quick and hassle-free loans. Our skilled team aids every step of the way, from Completing your loan documents to ensuring fast disbursal of...

  • Senior Manager

    3 weeks ago

    Delhi, India DMI Finance Private Limited Full time

    Job Purpose: Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans through digital journey. Principal Accountabilities: 1. Underwriting Policies: 2. Working on solutions for credit underwriting basis different product constructs 3. Closely work with Data Science team to analyse the underwriting models...

  • Senior Manager

    3 weeks ago

    Delhi, India DMI Finance Private Limited Full time

    Job Purpose:Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans through digital journey.Principal Accountabilities:Underwriting Policies:Working on solutions for credit underwriting basis different product constructsClosely work with Data Science team to analyse the underwriting models prepared by them and...

  • Zonal Credit Manager

    3 weeks ago

    Delhi, India Credit Saison Full time

    About Credit Saison Established in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting...

  • Zonal Credit Manager

    2 weeks ago

    Delhi, Delhi, India Credit Saison Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    About Credit SaisonEstablished in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting...

  • Ba4 Consumer Credit Risk

    1 week ago

    Delhi, India Barclays Full time

    **Job Title**: BA4 Consumer Credit Risk **Location**: Noida About Barclays Barclays is a British universal bank. We are diversified by business, by different types of customers and clients, and by geography. Our businesses include consumer banking and payments operations around the world, as well as a top-tier, full service, global corporate and investment...

  • Associate Credit Risk

    2 days ago

    New Delhi, India Acuity Knowledge Partners Full time

    Position Title:Analyst/ Associate / Senior Associate (Credit Risk) Experience Level:2-5 Years Location : Bengaluru/Gurugram/PuneJob Purpose Provide comprehensive model validation and review processes in accordance with client’s model risk management policy to assess model usage, purpose, conceptual soundness, data integrity, documentation and the control...

  • Market&Credit RISK HEAD

    2 days ago

    Delhi, Gurugram, NCR, India Talent Career Consultants Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    To provide strategic leadership and oversight of the banks risk management framework across Market, Credit, and Liquidity risk disciplines in India.Ensure compliance with RBI regulations, Basel III/IV, and the bank's global risk policies, safeguarding the integrity and resilience of the India franchise.2 Key ResponsibilitiesA. Risk Governance &...

  • Avp Consumer Credit Risk

    23 hours ago

    Delhi, India Barclays Full time

    Job Title AVP Consumer Credit Risk Location: Noida About Barclays Barclays is a British universal bank. We are diversified by business, by different types of customers and clients, and by geography. Our businesses include consumer banking and payments operations around the world, as well as a top-tier, full service, global corporate and investment bank, all...