Lead Risk Policy

2 days ago


Mumbai, Maharashtra, India Skillventory Full time ₹ 1,20,000 - ₹ 1,80,000 per year

Role & responsibilities


• Draft the credit policy for the personal loan product seeking to achieve a balance between business growth and risk metrics.

• Closely interact with the technology team to ensure that the credit policy rules are appropriately coded in the Business rule engine.

• In addition, adhere to Regulatory and Audit Compliance

• Review and Monitor Branch Underwriter in Loan Appraisals, TAT, Risk Appetite and Support to Business

• Assist in building towards a strong digital credit appraisal process

• Process Key Improvement Activities

• Proactively monitor the credit performance of the portfolio and make suitable changes to the policy to reduce segments that have a disproportionate contribution to credit losses

• Conduct Review of the disbursements Files to validate Process requirements and Policy adherence Completeness and Accuracy

• Proactively inform Team of Upcoming Red Flags and Triggers

• To identify Portfolio Risk in Underlying Business Practices and Fraud Exposures

• Training the Credit Managers on Processes and policies

• Work Closely with Regional Sales , Product Group and Credit Managers and Operations to constantly refine credit underwriting processes in Region / State.

• Work closely with the Decision science teams to aid in the development of robust credit models

• Maintain data on Credit waivers and Deviations and track the same

Preferred candidate profile

CA / MBA – Finance with 10+ years of experience in Risk policies for personal loan in Bank / NBFC can apply -


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