Director - Credit Risk

- Preparing and monitoring of Credit Risk Policy for M/SME segment

- Creating process notes for the credit underwriting

- Establishing a robust Credit Analytic Framework and formulating a credit risk process for the lending segment.

- Interacting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms.

- Analyzing the market trends / practices and benchmarking of policies with the market.

- Underwriting of policy related deviations for the product and proposing policy renewals on a timely basis.

- Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control.

- Responsible for establishing proper risk management standards for the portfolio and facilitating the business team in identifying early warning signals and analyzing quick mortality cases.

- Analyzing the market trends/practices and benchmarking of policies with the market.

- Work closely with business, technology, and operations teams to gather the underwriting requirements.

- Cost Control: Credit Vendor Management.

- Undertake the full execution of credit Models built by Data Science and suggestions for champion and challenger models.

- Interact, engage, and work with Tech, DS & Analytics teams for improvements and highlight corrective actions to ensure dataflow, data-integrations are implemented with control measures and in the most efficient and timely manner.

- Responsible for execution of 'Cred8' with partners. Build a team for it, work with a dedicated Tech, Product & DS team.

- Responsible for overall adequacy and effectiveness of the credit risk management techniques/process.

- End to end review of the Credit & Operation process and provide insights on the overall process for delivering credit quality and strict turnaround time.

- Ensure appropriate Quality Control processes are implemented for assessing performance quality as per benchmarks.

- Identifying best practices across industry which can be embedded in to the system for building quality portfolio

- Establishing goals and objectives for his/her direct reports in line with Risk function.

- Evaluating staff performance

- Promoting / coordinating effective cross-training

Requirements:

- Person with an eye for details and controls.

- Good Interpersonal skills, with strong written and oral communication.

- Possess an entrepreneurial mind-set with the ability to achieve results in a fast pace, rapid growth environment characterized by dynamism and ambiguity.

- Energy to work in a high growth and dynamic environment.

- Have a commitment to excellence and strong achievement orientation

- Strong Decision Making Skills

- Be a change agent

- Qualifications: MBA Finance/CA

- Required Experience : 10-15+ years of related experience out of which a minimum of 7 years in similar position/ responsibility in a Bank or Financial Institution

- Strong analytical and quantitative background

- Devise plans & contributed in the development of Credit appraisal and management systems