Lead - Portfolio Risk & Policy

Lead - Portfolio Risk & Policy

Roles & Responsibilities:

As the Lead for Portfolio and Operations Risk Management, you will be responsible for overseeing the identification, assessment, and mitigation of risks related to the organization's product portfolio. Your role will encompass both strategic and operational risk management, ensuring the organization remains well-positioned to manage market fluctuations and credit risk effectively. Specific responsibilities include:

1. Portfolio Risk Management:

- Track and analyze key risk indicators (KRIs) and delinquency trends to identify potential vulnerabilities across product programs.

- Proactively take corrective actions to mitigate risks and enhance portfolio performance.

2. Operations Risk Management:

- Manage operational risks by continuously monitoring risk scenarios and modifying risk management strategies in alignment with market and risk conditions.

- Ensure operational risk policies and frameworks are up-to-date and effectively executed.

3. Implementation of New Products & Programs:

- Lead the risk management aspect of launching new products and programs, ensuring that all potential risks are adequately assessed and mitigated prior to implementation.

4. ICAAP - Liquidity Risk:

- Monitor liquidity risk as part of the Internal Capital Adequacy Assessment Process (ICAAP), ensuring compliance with regulatory requirements and alignment with best practices.

5. Risk Analytics:

- Utilize data-driven insights to conduct thorough risk analysis and reporting, helping inform decision-making at the strategic level. Develop and implement robust risk modeling techniques to assess and predict portfolio risk.

6. Collaboration with Recoveries & Analytics:

- Work closely with the Recoveries & Analytics teams to monitor and manage the quality of the credit portfolio. Ensure effective collaboration to identify areas of improvement and implement recovery strategies where needed.

Qualifications and Skills:

1. Bachelor's degree in Finance, Risk Management, Economics, or a related field. A CA/Master's degree or professional certifications (e.g., FRM, CFA) is a plus.

2. Proven experience (5+ years) in portfolio risk management, operations risk management, and liquidity risk.

3. Strong analytical skills with a deep understanding of risk metrics, portfolio performance tracking, and corrective action implementation.

4. Familiarity with ICAAP processes and regulatory frameworks surrounding risk management.

5. Excellent communication skills to liaise with various teams and stakeholders, ensuring effective collaboration and risk mitigation.

6. Ability to lead initiatives and drive change within a risk management context.

7. Strong problem-solving skills and ability to work under pressure in a fast-paced environment.