Assistant Vice President - Credi & Risk - Unsecured Retail Loans

- Responsible for overseeing the development, implementation, and management of the company's credit strategy, policies, and procedures. This role requires leadership and execution of the credit risk function to ensure the company's credit portfolio aligns with its business goals, risk appetite, and regulatory requirements.

- Overseeing the full credit management process, including underwriting, disbursal, and customer management, with a focus on portfolio analysis and continuous quality monitoring.

- Enhancing and refining the current credit underwriting framework.

- Conducting thorough loan opportunity analysis and providing regular feedback to Risk and Analytics teams to improve selection criteria and set appropriate limits.

- Will be accountable for managing and optimizing the credit portfolio. This includes overseeing the credit underwriting process, pricing models, and ensuring that all credit activities meet the company's standards and business objectives.

- Offering strategic insights to enhance customer acquisition strategies, credit-related initiatives, and process improvements.

- Leading and mentoring a team of dynamic, passionate professionals while fostering leadership development.

- Contributing to the integration of industry best practices and periodically revising credit risk policies and guidelines.

- Preparing and delivering monthly review presentations to Management, offering clear perspectives on business performance and anticipated challenges.

- Actively engaging in internal projects designed to improve credit process efficiency and effectiveness, supporting the achievement of key strategic objectives.

- Collaborating with verification and fraud prevention agencies to support informed decision-making.

- The candidate will report directly to the Head of Credit & Risk and will manage a team of underwriters.

Candidate Profile:

- CA/ MBA - Finance with min. 10 years of experience in Banks/ NBFC.

- Proven experience in Unsecured retail loans.

- Analytical bent of mind & strong judgmental attributes.

- Excellent Communication and negotiation skills.

- Enthusiastic and dedicated with strong leadership skills