Head - Credit Risk - Financial Services

- Framing the risk appetite for retail unsecured products based on long term risk objectives, and defining the RAS guardrails for key retail lending portfolios

- Developing and implementing the risk management framework to drive credit cost outcomes as per the risk appetite of the bank. Implementing the governance risk framework for effective risk management

- Single point of ownership/touch point for Business team for all activities and sub-activities for the entire risk cycle i.e. Models/Scorecards,

- Discussion of policy requirements with key stakeholders, developing the risk policy & getting the same approved

- Implementation of policy rules in Business Rule Engine.

- Participate in Development & validation of scorecards/alternate models by giving policy expectations, inputs on variables and providing granular risk inputs

- Defining early risk guardrails & monitoring triggers for Retail portfolio

- Review PMC/CMC notes for Retail lending & Cards

- Using PRISM framework for proactively tracking the portfolios; working closely with key stakeholders for identifying Business Growth Opportunities (BGO) & cutting down segments having low/negative profitability

- Building and implementing of digital risk framework and STP decisioning framework for Wheels products

- Regular field/location level understanding of customers, risk performance through regular channel /branch/geography visits

- Portfolio Monitoring based actioning on Cards and Personal Loans

- Regularly highlighting key risks and portfolio quality to Mancom/Senior Management, Board & other such committees (RMC/CRMC)