State Risk Head - Urban Retail/SME DSA - NBFC

State Risk Head - Urban Retail - NBFC

Company : Non Banking Financial Services

Position : State Risk Head

SBU : Urban Retail/SME DSA

Locations : Gujarat / Maharashtra

Purpose of Job :

- Deliver High Credit assessment of Home Loans, Mortgage Loans and Loan against Property for the State, maintaining high standard processing efficiency & Data Quality.

Responsibility (in details) :

Credit Risk Management :

- Prepare and review credit applications made and provide assessment

- Conduct financial statement for loan eligibility.

- Preparation of applications in conjunction with the Risk Head for loan sanctions where loan amount is higher

- Manage Productivity, file processing cost within the budgeted levels.

- Ensure processing of files within agreed Timelines.

Monitor key indicators on FPD, delinquency within designated portfolio.

Business Risk Partnership :

- Work in partnership with Sales teams on new and existing credit applications, providing guidance on credit appetite and other pertinent information prior to applications being made

- Proactively contribute to embedding agreed change management initiatives within sales teams in support of process improvement and policy development

- Support and contribute to specific projects as determined

- Act as a constant source of feedback to product and policy teams to aid in innovating the current product offering and launching new products

Wider Risk Management :

- Support the Zonal Head in identifying training and development needs of Vendors and initiation support staff in relation to policy & process.

- Participate actively in general good credit governance initiatives and uphold highest standards of risk management.

- Proactively contribute to embedding change management initiatives in support of process improvement and policy development regarding clients

People Management & Performance Management :

- Identification, hiring, training and retention of the desired Credit staff at location

- Implement the performance management system and culture as per the objective of the organization

- Implementing the monitoring mechanism and MIS to ensure that each parameter of KPI is constantly measured, reported, analyzed and improved

Governance & Compliance :

- Implement processes as per policy.

- Educate and train the team members on the policy requirement

- Ensure and check that policies and standards are being implemented at the ground level

- Ensure that the recommended process of appointment, management and review of Vendors is being followed.

- Implementing the Fraud Control systems

- Ensure that branch / area is always Audit Complaint with internal and external policies and regulations

Customer Service :

- Create a customer centric culture

- Implement, measure, monitor and control parameters that improve customer experience

Key skills :

- Should have good experience in Underwriting / Customer discussions and expertise in Credit & analysis

- Excellent Team handling & management skills