AVP - Risk Policy - Mortgage/LAP - NBFC

- Write/modify Credit Policies, product parameters, processes and related guidelines Review/change/modify documentation processes, forms and guidelines for all LAP/Mortgages/Home Loans

- Provide functional support on all credit matters to business teams

- NCL Forecast- Forecast product wise NCL and monitor the same on monthly basis

Manage and monitor portfolio quality. Undertake periodic portfolio and collection reviews for the business and monitor the branches on triggers & NCL lines

- Undertake monthly reviews based Portfolio MIS

- Manage triggers and take decisions on portfolio basis the triggers

- Partner the business team in identification, market selection and sales zoning from a credit risk perspective

- Provide credit decisions for proposals above branch approval authority in terms of exposure limits and deviations

- Risk Mitigation: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and area

Expertise required/ Domain Knowledge:

- Experience required in Financial services preferably in mortgage domain with hands on policy/underwriting/ credit risk/ Operational Risk management. (Candidates with experience on LAP will be considered)