Customer Segment Risk Manager

We have an urgent opening with one of our client as a Customer Segment Risk Manager in Mumbai.

JOB RESPONSIBILITIES:-

Business and Financial Management -

- Loss forecast, track portfolio performance basis the loss plan

- Business forecast- balance the business and loss forecast, calibrate policies to achieve management numbers.

- Portfolio management activities- based on collection feedback

- Identify and act upon various risk arising out of credit/process activities.

- Risk mitigation- bureau/rating agencies/collection reports to be reviewed

- Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices.

Customer Focus-

- Understand the Salaried / Self Employed / BIL market dynamics and re-align the grids.

People / Team-

- Effective training and timely communication of policy changes

- Manage and supervise direct reports with continuous engagement on portfolio performance, process controls and supervisory review.

- Interaction with business and allied teams to incorporate changes.

Process / Quality Improvement-

- Define credit policy and process in accordance with ROC approved guidelines. Monitor credit program norms as per group credit standards

- Track and react to external influence on portfolio- Bureau/rating agencies

- Ensure all regulatory guidelines are adhered to.

- Process adherence as measured by audit ratings, FTR score and TAT are key deliverables.

- Quality as measured by delinquency, bounce rates and loss numbers are key deliverables.

- Interact with process management & under-writing team to ensure appropriate implementation of policies with key controls on operational risk items.

EXPERTISE REQUIRED:

- Significant exposure to mortgage backed products in the self employed segment with rich experience in underwriting.

- Exposure to multiple geographies and location specific considerations.

- Ability to take wholesome view and deduce patterns arising out of various actions.

- Flair for numbers and an ability to understand processes read balance sheets and understand customer business models

- Systematic & Meticulous and Ability to perform under pressure

- Good analytical & logical abilities and Good communication

- High resilience, energy & initiative

- Demonstrate core company values, including high integrity and ethics

- Result/ achievement orientation

QUALIFICATION:

MBA(Finance)/CA