Job Description: Manager - Policy (Rural)

Based at: Mumbai

Reporting to: VP - Policy & Risk (Rural)

Department Head: Chief Risk Officer

Key expectation:

- Product / policy experience in retail / rural market segment

- Secured lending exposure will be preferred

Performance Area :

Policy Documentation & analytical writing / training :

Assist :

- In drafting the policy documents / circulars / newsletter / risk communications

- 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

IT / Project / Training / Initiatives :

- Liaise with IT team / vendors for new IT enhancements & Implementation

- Conduct user level tests (UAT) and simulations for any data improvement & initiatives as required time to time

- Liaise with training team for policy and process changes & implementation

- Initiatives related to policy/process improvement from time to time

Policy and Portfolio management :

- Design, Develop & Publish MIS and dashboard as per the policy & process in accordance with ROC approved guidelines / acceptable risk & policy framework

- Interaction with business and allied teams to incorporate changes

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

Communication skills / Interpersonal skills :

- To possess excellent communication & writing skills

- To have a flair for change with bird's eye vision

- To possess rational approach and ability to handle situations pro-actively

Expertise required/ Domain Knowledge:

- Exposure to multiple geographies and location specific considerations.

- Extensive knowledge of Tier 4 and rural geography markets will be preferred.

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

- Flair for numbers and an ability to understand processes

- Systematic & Meticulous and Ability to perform under pressure.

- Possess good communication, good analytical & logical abilities.

- High resilience, energy & initiative.

- Demonstrate core company values, including high integrity and ethics.

- Result / achievement orientation.

No. of years of relevant experience:

- 6+ years in financial services / banking / micro-banking, rural industry experience will be preferred focusing on credit approvals, delinquency, analysis, collections, processing, signing bank deals. Firsthand experience in policy formulation and tracking is desirable.

- Any specific specialization/education:

Minimum qualification is MBA with specialization in Finance, CA or equivalent qualifications

Most frequent contacts :

Business : Process / Policy feedback & formulation

Technology / Operations : System changes / issue resolution / new enhancements

Internal Audit / RCR / OR : Respond to issues raised / timely update of RCSA / OR framework

Collection / Legal : Delinquency tracking / Recovery measures

Policy & Process review :

- Direct contact - process review

- Functional training & periodic review

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