Fullerton India - AVP - Risk Policy

- Write/modify Credit Policies, product parameters, processes and related guidelines Review/change/modify documentation processes, forms and guidelines for all Bill discounting (Working capital loan)

- Provide functional support on all credit matters to business teams.

- NCL Forecast- Forecast product wise NCL and monitor the same on monthly basis

- Manage and monitor portfolio quality. Undertake periodic portfolio and collection reviews for the business and monitor the branches on triggers & NCL lines

- Undertake monthly reviews based Portfolio MIS

- Partner the business team in identification, market selection and sales zoning from a credit risk perspective

- Provide credit decisions for proposals above branch approval authority in terms of exposure limits and deviations

- Risk Mitigation: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and area

- Monitoring & Compliance: Ensure adherence to policies and processes, correcting procedural flaws; ensure proper documentation; support Branches in troubleshooting field problems and identifying, designing, and implementing improvements. Ensure that the policies/processes are in adherence with legal and compliance framework in force.

- Enable credit training for Territory/Cluster / branch approvers/officers on credit fundamentals and processes including origination, credit approval, collection, documentation and disbursement processes

- Enable/Control credit delegations and approval authority for underwriters

- Support & coordinate with training team for Credit Related modules

- Work closely with Risk Control and Review and Internal Audit team. Finalize audit parameters and risk categorization with them

- Enable Legal support to branch and clusters including enabling DPD, LRN notification processes

- Work with fraud control teams to streamline fraud processes

- Monitor/Manage Credit origination expenses

- Interaction with various support groups including IT to initiate/review systems/processes

Key Performance Indicators

- Manage NCL within budget

- Control delinquencies (DPD)

- Achieve recovery target

- Write/Modify Credit policies and program

- Implement risk policies focused at market & business needs.

- Implement suitable policies to enable inclusion of potential customers/customer profiles and handhold/mentor the officers to deliver

- Have a continuous employee engagement resulting in increase in employee satisfaction and retention.

- Design training modules to ensure policy and processes training is easily understood by the officers to discharge their responsibilities and handhold /mentor them to deliver

- Provide support in hiring to be done for Risk Team. Control regretted attrition.

- Implement sound portfolio management process to manage portfolio across the branches

- Implement process adherence across branches reflected through audit and quality check

- Frauds including employee frauds under control

Task performed

- Write/modify Credit Policies, product parameters, processes and related guidelines Review/change/modify documentation processes, forms and guidelines

- Provide credit decisions for proposals above branch approval authority in terms of exposure limits and deviations

- Undertake periodic portfolio and collection MIS reviews for the business. Closely Monitor the branches on triggers & NCL lines

- Work closely with Risk Control and Review and Internal Audit team. Work with fraud control teams to streamline fraud processes

- Oversee training Cluster / branch approvers/officers on credit fundamentals and processes including origination, credit approval, collection, documentation and disbursement processes

Other relevant factors (Required Skills)

- Understanding of Credit Risk Management, credit underwriting and policies from working capital perspective including bill discounting

- Basic accounting skill. Proficiency in MS Office (Word, PowerPoint, Excel)

- Good analytic skills, judgment and ability to make independent decisions informed by both quantitative and qualitative data (including informal feedback from stakeholders and non-business partners)

- Ability and willingness to travel