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16/03 Bhumika
Managing Partner at Kairos Consulting India

Views:1728 Applications:351 Rec. Actions:Recruiter Actions:241

Credit Policy Role - HL/Mortgage - NBFC (10-14 yrs)

Mumbai Job Code: 903440

Experience -

- Should have independently manages Policy preparation and approval after consultation with respective stakeholders

- Becomes a custodian of policies

- Should have worked on improvement of process

- Expert with sharp focus on portfolio analysis with focus on execution

- Pointing out on the opportunities and issues and suggesting corrective action to the stakeholders

- Expert in presentation skills for various management reviews/committees

- Indepth market/ competition knowledge for relevant products

Responsibilities : 

- Drafting the product policies and get the same approved from various stakeholders independently.

- Support delivery of end of period AUM, focus on operational efficiency through consolidation and process improvements

- Review the portfolio performance and its impact on the business profitability. Highlight the variances to the stakeholders

- Portfolio management based on accurate evaluation of the portfolio performance, market developments and product management imperatives. Key deliverables are as below

- Pivotal role in launching new product/program considering the risk appetite of the organization and in line with profitability benchmarks

- Identifying and creating the environment for testing the opportunities and converting to the regular program basis performance

- Involvement in process excellence to reduce time and cost leading to improved efficiency

- Deliver best practices across all the domains with specific focus on risk management

- Create programs and convert it in to BRE for ease of credit execution and reduce TAT. Master maintenance, testing of new builds, monitor deviations

- Aid conduct of audits (internal/statutory etc) and help closure of points to satisfaction without any adverse comments

- Tracks the market/ product dynamics and industry practices

Trigger monitoring and control

- Coordinating with analytics team for preparation/improvement in various management dashboard/ Analysis/ development of score card

- Regulatory compliance

- InteraSkcitlilosn/ Competencies with various team including business/product/credit/operations/legal/compliance/technology/Audit and of course competition to be in line with the requirements

- Creating partnerships which help in augment business/profitability and reduce costs through process engineering

- Institutionalize training programs with team on various product/programs being launched

- Conduct portfolio review on regular basis, note the action, coordinate and execute the actionables

- Optimize efficiency and per unit cost of processing, develop customer centric initiatives through Policy & Process re engineering. Optimize and consolidate resources and infrastructure and build scalable platform to support future growth

Preferred Requirements - MBA/ CA with at least 10 years of relevant work experience

Women-friendly workplace:

Maternity and Paternity Benefits

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