National Risk Manager - Unsecured/Business Loans - NBFC

Position : National Risk Manager

Band : DVP/VP

Company : NBFC

Reporting to : Head- Risk & Policy

Product - Unsecured Loan - Business Loan

Job Experience :

Formulation of polices across products like Business Loans, Personal Loans, Consumer Durable Loans & Loan Against Securities in line with competition benchmarking, operational capabilities and business requirements.

- Underwriting for Unsecured loans with Risk level Authority

- Review and reporting of Portfolio performance at pan India level and across geographies for Unsecured & Secured Products

- Conduct Portfolio Analysis on monthly basis to identify early warning signals & stress indicators to develop productive Collection strategies in consultation with field teams to maximize recovery

- Provide New/Modified products to the business team to match/excel competition offering and facilitate enhanced volumes

- Build Statistical/Judgmental Scorecards to standardized decisioning process across products

- Conduct Process Gap Analysis to streamline and create error free process flow

- Prepare and Publish Research Reports on Key Sectors to provide meaningful insights to the field team

- Conduct Stress Test on Unsecured/Secured portfolio to identify and communicate early warning indicators to Collections, Business & Credit team

- Attend all External/Internal Audit Queries and ensure timely submission of required clarification

- Conduct regular Policy trainings for field teams

- Analysis, Formulation, assessment and implementation of risk policies and products based on competition benchmarking, delinquency analysis, industry trends in line with the business requirements.

- Regular assessment of policies via completion benchmarking to be in line with competition and industry trends.

- Conducting internal and concurrent audits to ensure proper implementation of risk policies and procedures across verticals.

- Exercising due diligence and implementation of robust risk assessment tools across line functions to ensure a quality portfolio.