Policy & Risk Manager - Micro/Small Ticket Loan Against Property

We are looking for a Policy & Risk Manager - Micro / Small Ticket LAP for one of our clients based in Mumbai. The role will focus on portfolio risk monitoring, credit policy enhancement, and maintaining portfolio quality within the secured business loan segment.

Responsibilities:

- Analyzing the Secured Business Loan (LAP) portfolio by evaluating onboarding parameters such as pass rates at each credit filter, lead distribution across key parameters, and segment-wise performance trends.

- Conducting in-depth portfolio risk analysis, including bounce rates, early delinquency trends, flow rates, and loss simulations, while supporting revenue and cost optimization initiatives as part of P&L management.

- Acting as the First Line of Defence (FLOD) to ensure portfolio quality is maintained from a balanced risk-return perspective, proactively identifying emerging risks and implementing corrective measures.

- Formulating and recommending enhancements to credit policy based on portfolio analytics, market intelligence, and collateral performance insights.

- Building strong cross-functional partnerships with business stakeholders, technical teams, and executive leadership to align risk strategies with business objectives.

- Delivering timely, data-driven, and actionable insights through structured MIS and reporting frameworks to support strategic decision-making.

Qualifications:

- Mandatory experience in Loan Against Property (LAP).

- Experience handling micro / small ticket LAP portfolios (up to INR 30 Lakhs).

- Exposure to Rural LAP portfolios will be preferred.

- Strong communication and interpersonal skills.

- Ability to work independently as well as collaboratively within cross-functional teams.