Lead - Risk & Policy - SME Lending

1 week ago

Gurugram, India Michael Page Full time
Competitive SalaryLeading Brand

About Our Client

A leading NBFC based out of Gurugram

Job Description

· Lead risk & policy for all existing SME lending products, build risk and policy framework for new line of businesses and evolving use cases (Ticket Size ranging from 1L-100L)

· Maintain credit quality of assigned portfolios. Ensure credit loss and credit cost is within projected levels on all such portfolios

· Design/develop/credit policies, new programs, processes, products from risk management perspective, in line with best industry practices & business opportunity - Professional Loans, OD, Secured SME Lending, Merchant Lending

· Lead, modify & release amendments in the policies and programs across all business lending products with an optimal mix of underwriting concepts and use of data science tools like: - risk score cards, statistical models to help Business have competitive edge in the market and mitigate Risk for multiple portfolios.

· Take support of rule engine based automated models and loan approval processes to improve customer underwriting Journey and rules etc. using latest technology.

· 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 analytics, products teams to identify opportunities & sharpen risk outcome & business growth

· Interface with external service providers, partners, DSA - both existing & new to find opportunities & improve outcome

· Regularly visit market & customers to understand ground realities, feedback to the policies & processes.

The Successful Applicant

MBA/CA/Masters10-15 years of experience of managing portfolio and policies of Unsecured Business Loan/ Professional Loan/ SME Loans / Personal Loan in Banks/NBFC/Fintech both physical & digital journeysStrong analytical skills coupled with good understanding of Credit risk management, scorecards

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