Lead - Policy & Risk - Two/Four Wheeler Finance

A leading vehicle finance company is looking for a senior Policy & Risk professional to lead credit policy across new two-wheeler and four-wheeler retail finance along with dealer inventory funding. The role will own underwriting frameworks, dealer finance policy, portfolio governance, risk analytics, and regulatory compliance while partnering closely with business leadership to drive sustainable portfolio growth.

Key Responsibilities:

- Lead retail credit policy and underwriting frameworks for new vehicle finance.

- Define and govern dealer inventory funding policies, limits, and risk controls.

- Drive portfolio monitoring, risk governance, and policy reviews.

- Develop scorecards, underwriting rules, and portfolio analytics.

- Present portfolio performance and risk recommendations to senior leadership.

- Lead and mentor the Policy & Risk team while driving cross-functional stakeholder engagement.

Ideal Candidate Profile:

- 6 - 12 years of experience in vehicle finance credit risk and policy.

- Strong expertise in retail underwriting and dealer/inventory funding.

- Experience with vehicle finance, Non-Banking Financial Companies, banks, or captive finance companies.

- Strong understanding of bureau decisioning, loan-to-value, fixed obligation to income ratio, and portfolio analytics.

- Proven experience in regulatory compliance, governance, and senior stakeholder management.

- Willing to work onsite from Delhi / National Capital Region.