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Head - Retail Risk - NBFC Nature of role : Team Leader (2-3 members) Types of products to be handled-All retail assets namely PL,BL, 2WL, HL, LAP and similar lines of products Key Responsibilities : Risk Policy : - Leading governance of risk policy for retail policy 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 retail financing products like personal loan, business loan, any vehicle loan, 2-wheeler, Farm Equipment, Micro Finance loans etc. which will help in improving product and policy framework - Managing Early Warning System (EWS) mechanism for Retail Housing portfolio - 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 Operational Risk Control : - Thorough compliance monitoring, Asset portfolio performance control through periodic credit review of accounts to generate red flags, exception reporting, deferrals etc. - Co-ordinating with IT and systems team for arranging data availability and system effectiveness for review and monitoring purposes - PDDs & OTCs - Monitoring and controlling pending post disbursement documents and OTCs - Conduct client /site visits, project progress monitoring, Risk classification of the accounts and suggest measures through Credit Monitoring committee for effective credit action including restructuring, full exits, restrict credit etc for maintaining a healthy portfolio. Profile Required : - Minimum 10-12 years of experience in leading Bank/NBFC in a risk policy cum portfolio monitoring role for retail finance products - Strong analytical abilities and data interpretation skills, good communication and presentation skills. - Good understanding of regulatory guidelines for NBFCs/Banks

Mumbai

Head - Retail Risk - NBFC 

Job Description for Head - Retail Risk - NBFC  in SKILLVENTORY in  Mumbai for (10-20) years of experience. Apply Now!

Head - Retail Risk - NBFC  | iimjobs.com