Key areas of expertise include Data Analytics, Credit Risk, Operational Risk, Risk Appetite Framework, Manage, Develop, and implement credit policies and risk management strategies for Personal Loans.
- Implement Local Risk strategies, development of score cards & risk decisioning framework.
- Maintaining portfolio within approved risk appetite, monitor the portfolio, highlight/control risks.
- Ensure Loan Impairment budgets are met.
- Develop and govern portfolio MIS for effective portfolio tracking, triggers and exploration to assist the business in achieving the optimum risk reward equation.
- Responsible for overall Governance including Gap Analysis against internal and external regulations
- Support Business in existing and new product development to assist in meeting business objectives.
- Manage the new initiatives/experiments, new segment plans, geographic expansions and fintech partnerships for Personal Loans
- Active participation on digitization efforts and digital verifications/fraud checks. Manage, motivate and guide both direct and indirect team
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