Risk Manager

1 day ago

Mumbai, Maharashtra, India Kotak Mahindra Bank Full time ₹ 15,00,000 - ₹ 25,00,000 per year

Risk Manager-SALARIED PERSONAL LOANS-NEW-Risk

Job Description:

Function: Risk Policy unsecured retail consumer loan.

Location: Head Office Mumbai

Job Role: Personal loan Policy Manager

Grade: M5

Number of Position: 1

Job Responsibilities:

  • The role requires to process, implement and develop risk strategies for personal loan business
  • Operate and maintain an effective risk management system by creating a robust risk framework which includes risk identification, assessment, mitigation, tracking and reporting
  • Management of portfolio risk to maintain the overall losses in the business
  • Monitor portfolio delinquencies at micro level, identification of segments, locations, channels, profiles and proposing policies/ strategies to enable business and control risk
  • Evaluate product/programs/policies in line with regulatory guidelines and build strong risk controls across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation, etc.)
  • Assessment of scorecards and formulation of policies/ strategies basis scorecard
  • Implementation of technological interventions like scorecard, digital journey and automations
  • Using analytics to track various risk KPIs against the defined risk appetites
  • Recommend improvement to processes and policies to drive operational efficiencies

Job Requirements:

  • Minimum 5year of experience in similar role of policy team in large sized NBFCs or Banks or ay MNC
  • Knowledge about policy framework pertaining to personal loan product/Unsecured product
  • Should have good command over language and have good communication skills
  • Should have experience in handling teams and coordination with various stakeholders
  • Experience in data analytical tools like SAS/SQL or Python and visualization tools like Powerbi
  • Should have strong analytical skills

Personality Traits

  • Sharp analytical skills and ability to imagine and anticipate probable risks in lending processes.
  • Ability to conceptualize and create user-friendly processes and flows.
  • Sharp verbal and written communication skills
  • Strong on Microsoft tools like Excel, PowerPoint, etc.
  • Experience in coding and analytical tools is preferred.
  • Ability to deliver projects within tight deadlines.

Education qualification:

  • Btech/MBA or Grad/Post Grad in statistics
  • Certification in coding languages like SAS/SQL/Python
Experience LevelMid Level

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