Credit Risk Policy Role - Loan Against Property

- You will be responsible for developing & maintaining credit policies for Loan Against Property (#LAP) loan product, ensuring it aligns with the organization's risk appetite and regulatory requirements. You will play a crucial role in managing credit risk and maintaining a healthy credit portfolio in the #LAP loan segment.

- You will work closely with various internal/external stakeholders to ensure prudent credit decision-making processes and foster sustainable business growth.

a) Credit edit Policy Development: Develop, review, and enhance the credit policies & procedures for existing as well as new loan products in the LAP segment to maintain a balanced and effective risk management approach while supporting business objectives.

b) Portfolio Risk Assessment & Monitoring: Assess credit risk in the portfolio on an ongoing basis through in-depth analysis of good/bad segments of the portfolio. Establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. Present portfolio performance and insights to senior management on monthly basis.