Sr Manager/AVP - Credit Policy & Risk

Job Description:

Department: Credit and Risk

Job Title: Credit Policy and Risk

Reporting To: Chief Risk Officer

Key Accountabilities:

- Work on policy changes based on trends and requirement of market

- Responsible for developing integrated risk strategies, providing business inferences, supporting the modeling / forecasting needs and management information reporting.

- The work would primarily involve the use of customer \ operational data and application of statistical tools and techniques to achieve following

- Design and Develop risk strategies, statistical, financial and judgment based models to enhance credit decision making.

- Support credit functions like forecasting & provisioning

- Action oriented and on time reporting & analysis to meet management

- Support other analytical needs of the company if required

Key Performance Indicators (KPI):

- PAR%

- NCL %

- Portfolio Growth

Job Specification:

Educational Qualifications: Minimum Post Graduation with background of Finance

Professional experience: 5-7 years - experience required in Financial services preferably NBFCs dealing with mortgage loans, housing loans, PL. Minimum 2 years - experience in Policy or Risk Analytic is essential for this role.

Behavioral competencies

- Ability to effectively communicate with the public in English

- 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 context: socio-political-religious environmental factors)

- Ability to work with minimal direction. Self-starter

- Good interpersonal, relationship management, customer service, and rapport building skills.

- Ability to prioritize, multi-task, delegate, and proactively resolve problems

Additional competencies

- Proficiency in MS Office (Word, PowerPoint, Excel)

- Basic Accounting Skills

- Good reading and writing skills in English required.

Isha