Avp - Stpl Credit Risk

14 hours ago

Mumbai Maharashtra, India Abacus Consultants Full time

**12 - 15 years**:
**Chartered Accountant (C.A.) | MBA/PGDM**:
**Policy
- Small Ticket PL- Team Handling**:
**35 ~ 38 LPA**:
**POSITION DETAILS**

**Functional Designation**

**Policy Manager - STPL**

**Department**

**Risk**

**Sub Department**

**Credit Risk**

**HR Grade**

**AVP / GM**

**Location**

**Pune**

**Reporting Manager**

**VP - Unsecured Policy**

**Job Purpose**

**You will be responsible for developing & maintaining credit policies for unsecured STPL product (and its variants), sourced through multiple channels (including digital channels like web/mobile app) ensuring it aligns with the organization's risk appetite and regulatory requirements. You will play a crucial role in managing credit risk and maintaining a healthy credit portfolio in the unsecured STPL segment. You will work closely with various internal/external stakeholders to ensure prudent credit decision-making processes and foster sustainable business growth.**

**Principal Accountabilities**
- **Credit Policy Development: Develop, review, and enhance the credit policies & procedures for existing as well as new variants of the unsecured STPL product sourced through multiple channels, including digital sourcing through web/mobile app, to maintain a balanced and effective risk management approach while supporting business objectives.**
- **Portfolio Risk Assessment & Monitoring: Assess credit risk in the portfolio on an ongoing basis through in-depth analysis of good/bad segments of the portfolio. Establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. Present portfolio performance and insights to senior management on monthly basis.**
- **Data Analysis & Automation: Utilize data analytics to gain insights into credit trends, customer behavior, and portfolio performance, and use this information to optimize credit policy decisions. Collaborating with Data Science & Tech Team for increasing extent of automation and system decisioning (including use of AI/ML techniques) to maximize the coverage of transactions through system. Developing, deploying, maintaining and updating scorecards / policy rules (BREs) in system. Ensure successful UAT is conducted for all BREs rules coded in the system.**
- **Regulatory Compliance: Stay up-to-date with the latest regulatory guidelines and ensure the credit policy adheres to all relevant legal and regulatory requirements set forth by relevant authorities.**
- **Cross-functional Collaboration: Collaborate with various departments, including Finance, Operations, IT, Data Analytics, Business, Credit and Collections, to integrate credit policy considerations into their respective functions.**
- **Ad-hoc assignments: Ad-hoc assignments related to credit risk and portfolio analytics from time to time**

**Desired Profile**
- **Minimum Qualification - Master’s degree in finance, economics, data science, IT, CA, MBA**
- **Minimum 5 years of experience in retail lending space in risk and policy role for unsecured loan/digital lending products at a Bank / Large NBFC / Fintech; experience in portfolio risk analytics and system automation.**
- **Good understanding of Indian retail lending market including digital lending and fintech space**

**Working Relationships

  • Avp - Credit Risk Hindsighting

    14 hours ago

    Pune, Maharashtra, India Abacus Consultants Full time

    **12 - 15 years**: **Any Post Graduate | Chartered Accountant (C.A.) | MBA/PGDM**: **Credit Risk Hindsighting**: **35 ~ 40 LPA**: **1** **POSITION DETAILS** **Functional Designation** **AVP - Credit Hindsighting** **Department** **Risk** **Sub Department** **Credit Risk** **HR Grade** **AVP** **Location** **Pune** **Reporting Manager** **Job...

  • Credit Risk Analyst, AVP

    2 weeks ago

    Mumbai, Maharashtra, India Deutsche Bank Full time ₹ 6,00,000 - ₹ 18,00,000 per year

    Job Title: Credit Risk Analyst, AVPLocation: Mumbai, IndiaRole DescriptionManaging a loan and derivative portfolio. The loan portfolio predominantly consists of financing both investment grade and sub-investment grade corporates. Typical transactions are complex leveraged loans that include providing liquidity for distressed borrowers, M&A sponsor financing,...

  • Credit Risk Analyst, AVP

    2 weeks ago

    Mumbai, India Deutsche Bank Full time

    Job Title: Credit Risk Analyst, AVP Location: Mumbai, India Role Description Managing a loan and derivative portfolio. The loan portfolio predominantly consists of financing both investment grade and sub-investment grade corporates. Typical transactions are complex leveraged loans that include providing liquidity for distressed borrowers, M&A sponsor...

  • Credit Risk Analyst, AVP

    2 weeks ago

    Mumbai, India Deutsche Bank Full time

    Job Title: Credit Risk Analyst, AVP Location: Mumbai, India Role Description Managing a loan and derivative portfolio. The loan portfolio predominantly consists of financing both investment grade and sub-investment grade corporates. Typical transactions are complex leveraged loans that include providing liquidity for distressed borrowers, M&A sponsor...

  • Avp Risk Analysis

    1 week ago

    Mumbai, India Fluidi5 Technologies Pvt Ltd Full time

    J ob DescriptionRole title: AVP - Risk Analyst Grade: AVP Reports to: Head - Risk and PolicyRole purpose: Function: Support Department: Credit & Risk Location: Mumbai Responsible to maintain highest level of risk standards, timely and accurate data submission along with regulatory compliance Key accountabilities and decision ownership: - Managing Risk...

  • Credit Risk Avp

    2 days ago

    Mumbai, Maharashtra, India Barclays Full time

    . **Purpose of the role** To independently assess and make credit decisions for complex financing transactions within the LevFin, SLF, and Hedge Funds sectors, ensuring alignment with the bank's credit risk appetite and regulatory requirements and contribute to the development and implementation of credit risk policies and procedures for the Specialised...

  • Credit Risk

    4 days ago

    Mumbai Metropolitan Region, India Banking and NBFC job Full time ₹ 8,00,000 - ₹ 20,00,000 per year

    NBFCChief Manager/AVP - Credit Risk Analyst (SME)Location: MumbaiKeyResponsibilities:Define risk and monitor the formulation, review, and evaluation of credit policies in coordination with Credit and Business teams.Conduct portfolio analysis to identify key risk and mitigation strategiesTracking hashtaghashtagportfoliotriggers(thresholds/ breach), risk...

  • Citibusiness Credit Avp

    2 days ago

    Mumbai, India Citi Full time

    **Responsibilities**: Develop recommendations to adjust credit policies by analyzing credit and financial performance utilizing statistical scoring, segmentation, regression and simulation techniques Implement initiatives to ensure consistency and compliance with credit policies Utilize SAS in a UNIX environment to perform risk, financial and data analysis...

  • Credit Risk

    14 hours ago

    Mumbai, India Deutsche Bank Full time

    **In Scope of Position based Promotions (INTERNAL only)** **Job Posting Title: Risk Specialist / Credit Officer** **Location: Mumbai** **Role Description**: Deutsche Bank follows an integrated risk management approach under the independent Risk function, which includes Credit Risk Management. The Credit Risk Management team manages credit risk on behalf...

  • Avp-credit Risk Analytics-c12

    1 week ago

    Mumbai, Maharashtra, India Citi Full time

    The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally....