Lead - Risk & Policy - SME Lending

Industry : Banking / Financial Services / Broking

Job Description : This role focuses on managing SME lending operations and ensuring the delivery of financial services tailored to small and medium enterprises. The ideal candidate will oversee loan origination, portfolio management, and client relationships within the financial services industry.

Client Details:

A leading NBFC based out of Gurugram

Description:

- Lead risk & policy for all existing SME lending products, build risk and policy framework for new line of businesses and evolving use cases (Ticket Size ranging from 1L-100L)

- Maintain credit quality of assigned portfolios. Ensure credit loss and credit cost is within projected levels on all such portfolios

- Design/develop/credit policies, new programs, processes, products from risk management perspective, in line with best industry practices & business opportunity - Professional Loans, OD, Secured SME Lending, Merchant Lending

- Lead, modify & release amendments in the policies and programs across all business lending products with an optimal mix of underwriting concepts and use of data science tools like: - risk score cards, statistical models to help Business have competitive edge in the market and mitigate Risk for multiple portfolios.

- Take support of rule engine based automated models and loan approval processes to improve customer underwriting Journey and rules etc. using latest technology.

- Drive and monitor the loans portfolio on daily/weekly/monthly basis to maintain risk metrics at desired levels by continuously analysing, identifying, and eliminating the high- risk segment from portfolio. Recommend corrective actions for maintaining a healthy portfolio and lower loss rates.

- Define various metrics & tracking's for assessment of the through the door quality, approvals and performance

- Lead execution, tracking & change management ranging from new partner enrolment, formulating policies and processes, define success metrics and loss forecasting.

- Anticipate impact on business when recommending changes to balance risk/reward

- Drive deep data analytics for decision making on risk & opportunities

- Ensure adherence to RBI norms, internal audit findings, and compliance standards.

- Help prepare risk tracking's for senior management and regulatory bodies.

- Lead internal and external audits, hind sighting related to policies, processes & underwriting

- Collaborate with credit underwriting teams, collections & business stakeholders for problem solving

- Work with analytics, products teams to identify opportunities & sharpen risk outcome & business growth

- Interface with external service providers, partners, DSA - both existing & new to find opportunities & improve outcome

- Regularly visit market & customers to understand ground realities, feedback to the policies & processes.

Profile:

- MBA/CA/Masters

- 10-15 years of experience of managing portfolio and policies of Unsecured Business Loan/ Professional Loan/ SME Loans / Personal Loan in Banks/NBFC/Fintech both physical & digital journeys

- Strong analytical skills coupled with good understanding of Credit risk management, scorecards

- Opportunity to work with a leading brand