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Head - Head-Credit Risk Policy (Micro Finance Loans)-NBFC Nature of role : Team Leader (2-3 members) Types of products to be handled-Micro finance/Micro loans Key Responsibilities : Risk Policy : - Leading governance of risk policy for Micro finance/Micro loans loan products - Ensuring adherence of credit risk policy in the process of underwriting of loans by respective underwriters Portfolio Monitoring & Control : - Maintaining operational and credit risk control over sanctioned and disbursed portfolio by effectively applying Monitoring tools and controls over portfolio. - Monitoring portfolio to assess delinquency trends across various locations, profiles, programs, products & other parameters; Monitoring non-starters, bounce rates, debtors & collection efficiency. - Analyzing above trends regularly to understand overall portfolio behavior and also reasons for defaults by individual customers and suggesting appropriate modifications in policy, product, program etc based on trends observed. - Competition benchmarking and tracking portfolio trends in NBFC Industry for products like Micro finance/Micro loans loan products which will help in improving product and policy framework - Managing Early Warning System (EWS) mechanism for Micro finance/Micro loans loan products - Post disbursement sanctioning and monitoring framework including documentation, disbursement of loans. - Post disbursement monitoring of covenants including financial covenants, Security creation, Project progress reports, document deferral, regulatory related etc. - Portfolio Monitoring including assessment of accounts and snapshot of stressed accounts to senior management. - Preparing review notes and presentations for senior management - Handling internal, regulatory audits and trainings - Ensuring compliance of portfolio with policy and process - Managing internal and regulatory audit - Circulating and highlighting summary findings to senior management - Imparting trainings to field teams on need basis Profile Required : - Minimum 8-20 years of experience in leading Bank/NBFC in a risk policy cum portfolio monitoring role for Micro finance/Micro loans loan products - Strong analytical abilities and data interpretation skills, good communication and presentation skills. - Good understanding of regulatory guidelines for NBFCs/Banks

Mumbai

Head - Credit Risk Policy - Micro Finance Loans - NBFC 

Job Description for Head - Credit Risk Policy - Micro Finance Loans - NBFC  in SKILLVENTORY in  Mumbai for (8-20) years of experience. Apply Now!

Head - Credit Risk Policy - Micro Finance Loans - NBFC  | iimjobs.com