National Head - Risk - Consumer Durable Business - BFSI

Formulation of Risk policy, Dissemination & Adherence of Risk Policy across markets, managing distribution risk, maintaining loss rates within budget.

Products to be managed

1. Consumer Durable

- Responsible for formulating, implementation/dissemination & adherence of risk policy for CD.

- Travel to locations to understand market and refine and upgrade policy as per market requirement and after risk assessment

- Managing distribution risk

- Maintaining loss rates within budget

- Monitoring Risk KPIs

- Portfolio risk monitoring & management

- Ensure continuous improvement/enhancement to systems (SFDC & Finnone) platforms by identifying gaps proactively.

- Support product team in developing systems, IT development and improvement of the same and is line with business requirements.

- Working closely with FCU to minimize fraud risk

- Building framework to continuously assess and evaluate system capabilities to eliminate operational loss

- Monthly file audit and sharing feedback to all stake holders

- Monthly interaction & feedback mechanism with collection team to get ground level feedback on market/portfolio

- Support business in various initiatives and promotions by enabling business growth and maintaining portfolio quality

Required Skills& Experience

- Should have minimum 10-12 years of experience in lending business with specific experience in retail consumer finance

- Experience in risk management is preferable

- Excellent Team Management & Interpersonal Skills.

- Understands distribution management

- Should have excellent communication skills along with strong presentation and data analytics skills .

- Should be willing to travel