KPI:  Loss forecast, track portfolio performance basis the loss plan  - Business forecast- balance the business and loss forecast, calibrate policies to achieve management numbers.  - Portfolio management activities- based on collection feedback  - Identify and act upon various risk arising out of credit/process activities.  - Risk mitigation- bureau/rating agencies/collection reports to be reviewed  - Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices.  - Understand the Salaried / Self Employed / BIL market dynamics and re-align the grids.  - Effective training and timely communication of policy changes  - Manage and supervise direct reports with continuous engagement on portfolio performance, process controls and supervisory review.  - Interaction with business and allied teams to incorporate changes.  - Define credit policy and process in accordance with ROC approved guidelines. Monitor credit program norms as per group credit standards  - Track and react to external influence on portfolio- Bureau/rating agencies  - Ensure all regulatory guidelines are adhered to.  - Process adherence as measured by audit ratings, FTR score and TAT are key deliverables.  - Quality as measured by delinquency, bounce rates and loss numbers are key deliverables.  - Interact with process management & under-writing team to ensure appropriate implementation of policies with key controls on operational risk items.  Requirement:  10+ yrs in financial services, Banking, credit rating industry with lending, credit approvals, delinquency, analysis, collections, processing, signing bank deals. Firsthand experience in policy formulation and tracking is desirable.

Mumbai

Fullerton India - VP - Rural Risk 

Fullerton India - VP - Rural Risk  ,Job Description for Fullerton India - VP - Rural Risk  in Fullerton India Home Finance Co. Limited in  Mumbai for (9-16) years of experience. Apply Now!

Job Description for Fullerton India - VP - Rural Risk  in Fullerton India Home Finance Co. Limited in  Mumbai for (9-16) years of experience. Apply Now!