Product Risk Associate

1 day ago


Thane, India TATA Capital Full time

Working in close co-ordination with various teams from Data Science, IT, Product, etc. for delivering on Risk KRAs such as scorecards, alternate validation methods, Loss forecasting, etc.
- Monitoring portfolio triggers & suggesting actions to be taken wherever breached. Use analytics to track early warning measures and suggest corrective actions to maintain portfolio quality.
- Coordinating for monthly portfolio risk reviews & driving product wise risk reviews
- Sample Case Studies on a regular basis for delinquent cases or fresh disbursements in the overall portfolio.
- Regularly conduct sample credit reviews (Good Bad analysis) on a portfolio basis & provide feedback to the sourcing, data science & underwriting teams. This includes feedback on the compliance of the norms stipulated in the respective Product program, as applicable.
- Impart trainings to the relevant teams through Digital or classroom mode and conducting regular knowledge tests.
- New Initiatives & Innovations in Digital Channel Risk Management esp. with an eye on business enhancement & ensuring good portfolio quality.

Usage of Technology esp. when it comes to putting BREs in place, doing the UAT from Risk perspective, ensuring data quality & data integration across various systems being used

**Desired Experience**:About 5-7 years’ experience in Bank / NBFC preferably in Credit or Risk function with exposure to digital product development & lending.

**Other desired attributes**:Excellent written/ oral communication and presentation skills & interpersonal skills, keen sense for innovation & problem solving, solution & result orientation, understanding of alternate data-based lending.

Knowledge of lending platforms would be an advantage. Ability to work with Data and Metrics.

**Educational Qualification**:Preferably CA or MBA (Finance).


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