Lead - Risk Assessment - Vehicle & Home Finance - Enterprise Risk Team

Job Description :

Lead the Enterprise Risk Team for Credit Risk identification assessment and monitoring from the RMC perspective and supporting the CRO.

Responsibilities :

- Being a core team member within the ERM team who understands the business and is able to contribute to the ERM credit risk process

- Reviews credit/underwriting policies of the businesses and provides guidance for risk mitigation to the business

- Conducts periodic portfolio analysis in relation to the business strategies and the credit policies to provide actionable insights, identify trends with the intent of mitigating credit risk, and measure performance.

- Collaborates with business credit /underwriting and collections teams to provide support for improving credit risk processes

- Provides inputs for changes in policies and thresholds for identifying and managing risks to the business

- Tracks the monthly performance of all portfolios and indicators to measure and monitor business risk

Qualification & Other Attributes :

- 12+ years of industry credit experience across lines of retail lending businesses with banks/NBFCs in a National Credit/Portfolio Role

- In depth knowledge of credit operations across the customer lifecycle

- Knowledge of the external regulatory requirements

- Understanding of credit and lending operations and systems

- Excellent written and verbal communication skills along with strong desire to work as a team.

- Nice to have financial qualifications

Optional : Professional finance qualifications / experience data and analytics