Hiring for Nbfc

**Hiring For NBFC : AVP - Credit Risk - Unsecured Loans : Pune**:

- From 8 to 10 year(s) of experience
- ₹ Not Disclosed by Recruiter
- Puneor

**Roles and Responsibilities**

Principal Accountabilities
- Overall management of the Credit Risk policy for unsecured loans (Personal Loans, Business Loans, Supply Chain,Digital Loans, similar other unsecured loans)
- Formulation / Renewal of credit policies / lending parameters for unsecured Loans to comply with guidelines (bothinternal & external) and to serve the twin objectives of meeting business requirements and minimizing credit risk.
- Responsible for managing overall credit health of the portfolio including acceptable delinquency indicators & lossrates.- To ensure implementation of risk management policies relating to Credit Acceptance and Account fulfilment.
- To aid business growth through effective monitoring and control of Unsecured Loans portfolio.
- Portfolio management through regular portfolio health test, bureau analysis, industry monitoring and customervisits etc.
- Raise awareness and ensure compliance with KYC, AML and other regulatory guidelines
- Facilitate development/enhancement of new systems to improve efficiency and effectiveness of credit processes
- Support people management and ESS initiatives of risk function by nurturing talent, multiplying leadership,ensuring strong performance management culture, building a cohesive team and promoting high level of staffengagement.
- Key Responsibilities
- Delinquency & Portfolio management - Maintain the portfolio and bounce metrics at acceptable levels and proposemeasures to control the same.
- Participating and contributing in building and maintenance of Score Cards and BRE.- Identification and management of high risk accounts through Bureau scrub etc., to ensure that loan losses aremínimal and maintained within budgets
- Developing and Conducting COPR (Credit & operation process review) process to minimize operational & processrisk and sharing observations/ corrective action required with UW teams for continuous improvement and learning
- Maintain portfolio quality through sound management of credit policies, development, maintenance, andexecution of appropriate credit MIS for portfolio monitoring
- To put robust bureau MIS and analysis in place.
- Ensure effective portfolio management though following:
- Portfolio Health Test / Scrub:

- Regular usage of bureau to calibrate portfolio actions.
- Early Warning Signals
- Gain portfolio level market and competitive insights.
- Scrub - to identify stressed A/cs off-us to act early
- Industry/ Segment Monitoring
- Monitoring of top 15 industry / segment exposure
- Analyze external research data (CRISIL / CMIE) along with market intelligence inputs basis customer visits to enable policy measures.- Customer Visits
- Select customers in top 15 industry segments of the portfolio across locations to be visited.
- Gain qualitative objective information and identify industry/location level opportunities & headwinds- Fraud Control:

- Increased vigilance across login and on-boarding stage.
- To cover financial doc check, increased sampling, profile checks, stressed account reviews, negative database, crossverifications.- Exposure Monitoring:

- Systemized triggers for Exposure Monitoring across all SBS businesses.
- Graded checks basis kind of customer and exposure level- Role:_Risk Manager
- Salary:_ Not Disclosed by Recruiter
- Industry:_Banking
- Department:_BFSI, Investments & Trading
- Role Category:_Lending
- Employment Type:_Full Time, Permanent
- Key Skills- Credit RiskPersonal LoansSupply ChainUnsecured LoansEducation
- PG:_CA in Any Specialization,MBA/PGDM in Any Specialization

**Company Profile**:
SKILLVENTORY
- RPO- Recruiter Name:_Vaishali Sharma
- Contact Company:_SKILLVENTORY
- Telephone:_7668003611