Policy Lead - Microfinance/Cross Sell & Unsecured Loan

ROLE- Policy Lead - MFI ,Cross-Sell or and Unsecured Loan

VERTICAL - Credit Risk

BUSINESSLINE - Policy

PRODUCT - Micro-Finance Loans or Cross-Sell, and Unsecured Loan

FUNCTION - Policy

REPORTS TO - (Role of Manager) Head - Collections and Policy

JOB ROLE:

- Developing and implementing lending policies for Micro Finance, ensuring compliance with regulatory requirements and company guidelines.

- Responsible for portfolio quality, health and credit loss numbers.

- Analyzing market trends and industry data to recommend appropriate changes required to adapt to market requirement for Micro Finance customers.

- Collaborating with the risk management team to assess creditworthiness and establish risk mitigation strategies.

- Conducting regular reviews of existing policies to identify areas for improvement or adjustment based on changing economic conditions or business goals.

- Interacting with internal stakeholders, such as sales, marketing, and operations, to align policies with overall business objectives.

- Monitoring and reporting on the performance of Micro Finance Loan portfolios, identifying potential issues, and proposing solutions to optimize loan performance.

- Exposure to Technical and credit management software and rules and automation activities for the same.

KEY RESPONSIBILITIES

- Ability to manage multiple stakeholders.

- Staying up-to-date with relevant laws and regulations related to Loans secured against Immovable

- Properties to ensure compliance and mitigate legal risks.

- Training and educating staff on Micr Finance policies and procedures, ensuring a consistent understanding and adherence across the organization.

MANDATORY SKILLS REQUIRED-

- MBA/Post Graduate with 12-15 Years of experience.

- Strong Inter-personal, relationship building and leadership skills

- Good Articulation ability, decision making and Leadership Skills.

- Able to drive team