Head - Risk - Mortgage Business

- To manage risk in Mortgage business (Home Finance / Home Equity/Builder /Construction Finance). Should have excellent understanding of this business, preferably across various regions/ areas of the country

- Design/develop/review policies, processes, products, delegation of authority, for the above businesses from risk management perspective, in line with best industry practices

- To approve material counter party credit risk exposures across above businesses, ensure timely and quality decision making.

- To develop risk scoring and pricing models for these businesses in aid of decision making

- Monitor the portfolio on an ongoing basis, highlight deviations and risk indicators

- Proactively manage the risk in the portfolio by giving leading indicators to the business and monitor action taken by the business to mitigate the risk.

- Develop risk measurement methodologies across portfolio. Measure and analyze default risk across portfolio by tracking portfolio behavior.

- Excellent interpersonal skills and leadership qualities with an ability to carry the team along

- Ability to effectively interact with the senior leadership team across businesses and with the top management team

- Strike right balance between demands from business group and risk deliverables.

- Good industry net work

- About 11 to 16 years of experience preferably in organizations with strong risk management reputation, out of which at least 4 to 5 years experience should be at a senior level with demonstrated leadership capabilities

- CA/MBA (preferably finance)

Utpal