Responsibilities : - Overall management of the Credit Risk policy for secured assets. - Formulation / Renewal of credit policies / lending parameters for the Mortgage business, to comply with guidelines (both internal & external) and to serve the twin objectives of meeting business requirements and minimizing credit risk. - Responsible for managing overall credit health of the portfolio including acceptable delinquency indicators & loss rates. - To oversee that new account applications are processed with adherence to credit policy requirements to minimize credit losses and to contain fraud / credit risk. - To ensure implementation of risk management policies relating to Credit Acceptance and Account Fulfillment. - To aid business growth through effective monitoring and control of the Mortgage portfolio. - Portfolio management through annual portfolio health test, bureau analysis, industry monitoring and customer visits etc. - Raise awareness and ensure compliance with KYC, ML and other regulatory guidelines - Facilitate development/enhancement of new systems to improve efficiency and effectiveness of credit processes - Support people management and ESS initiatives of risk function by nurturing talent, multiplying leadership, ensuring strong performance management culture, building a cohesive team and promoting high level of staff engagement. - Current products funded under Secured Loans include but not limited to Mortgages, Auto Loans, Commercial Vehicle Loans, Construction Equipment, Machine Loans, Medical Equipment Loans. Requirements : - Professional degree. CA is an added advantage. - Good analytical skills and ability to think innovatively - Good communication/ presentation skills - Good financial analysis and SME segment knowledge. - Should be able to work with diverse teams well. - Good understanding of the Mortgage credit life cycle and key drivers of Mortgage product performance.

Pune

AVP - Credit Risk - Mortgage Loans 

AVP - Credit Risk - Mortgage Loans  ,Job Description for AVP - Credit Risk - Mortgage Loans  in Kairos Consulting India in  Pune for (9-15) years of experience. Apply Now!

Job Description for AVP - Credit Risk - Mortgage Loans  in Kairos Consulting India in  Pune for (9-15) years of experience. Apply Now!