National Risk Manager - Affordable Housing Finance

Job Title: Risk Manager - Affordable Housing Loan (AHL)

Location: Pune

Company: Housing Finance Limited

Scope: Pan-India Business - Affordable Housing Loan

Role Overview

The Risk Manager - Affordable Housing Loan will be responsible for overseeing and strengthening the risk management framework for the AHL portfolio across India. The role involves end-to-end ownership of credit policy formulation, portfolio monitoring, risk assessment, and ensuring compliance with regulatory guidelines while supporting business growth.

Key Responsibilities

Credit Risk Management:

- Develop, implement, and monitor credit risk policies for Affordable Housing Loans (AHL).

- Conduct in-depth portfolio analysis to identify emerging risks and recommend corrective measures.

- Set risk appetite and define approval frameworks in alignment with business objectives.

Portfolio Monitoring & Governance:

- Track and analyze portfolio performance metrics (delinquency, NPA, early warning signals).

- Implement effective controls and risk mitigation strategies across Pan-India business.

- Conduct periodic reviews and stress testing of AHL portfolio.

Regulatory & Compliance:

- Ensure adherence to RBI, NHB, and internal compliance standards.

- Partner with internal audit and compliance teams for periodic audits and inspections.

Business Support:

- Collaborate with sales, underwriting, and collections teams to enable balanced risk and growth.

- Provide insights on product structuring and pricing from a risk perspective.

Team & Stakeholder Management:

- Manage cross-functional coordination with regional credit/risk teams.

- Guide and mentor junior risk professionals.

Key Requirements

- Education: MBA/CA/FRM or equivalent qualification in Finance/Risk Management.

Experience:

- 8-12 years of experience in risk management, preferably in Affordable Housing Loans / Retail Credit in BFSI.

- Strong understanding of credit policies, underwriting standards, and risk models.

Skills:

- Analytical mindset with expertise in portfolio analytics and risk assessment.

- Strong knowledge of regulatory environment (RBI/NHB).

- Leadership and stakeholder management skills.