Lead - Policy & Portfolio Management - NBFC

About Company:

The company operates in the financial services industry, specializing in lending and credit solutions for individuals and businesses.

Job Description:

Credit Policy & Governance:

- Formulate credit policy and operational guidelines

- Establish mechanisms to ensure adherence to policies

- Highlight policy deviations to concerned authorities at regular intervals

Portfolio Monitoring & Performance Analysis:

- Monitor portfolio performance to identify trends

- Recommend strategic changes to the business

- Track performance against defined guardrails

- Analyze portfolio and macro-economic data to assess business impact

Reporting & Management Presentation:

- Prepare review decks

- Conduct detailed portfolio analysis

- Present insights to management

Credit Models & Risk Assessment:

- Evaluate, implement, and monitor internal & external credit scoring models

- System Implementation & Process Improvement

- Implement new policies within systems

- Collaborate with IT team for product policy implementation

- Review system validations and suggest efficiency improvements

Post Disbursement Review:

- Conduct post-disbursement case reviews

- Assess adherence to credit policies

Candidate Requirements:

Experience: 8-10 years

Mandatory product experience: Home Loans (HL) & Loan Against Property (LAP) only

Industry preference: NBFC only

Mandatory Requirement:

Primary Job Profile : Credit

Technical Skills : Risk assessment, portfolio monitoring

Candidate Industry Requirement: NBFC