Policy Manager - Bank

Key Responsibilities:

- Formulating and implementing policy, procedures & guidelines for credit appraisal, credit risk models and frameworks

- Interacting with cross-functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms

- Managing of Rule engine for credit decisions.

- Analyzing the market trends / practices and benchmarking of policies with the market

- Establishing a robust Credit Analytic Framework to identify early warning signals, credit risk process inputs and customer segment-wise risk factors

- Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control

- Identify and implement system and process improvements to ensure accurate, thorough data is available to support high-quality analysis

- Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit approval team, credit operations team and collection team

- Manage the interface with External / Internal Auditors; Design controls to meet all regulatory & internal requirements

- Work in partnership with the credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems

- Assist in developing and implementing training programs to improve the quality and productivity of the team

- Competition benchmarking and review of policies and programs periodically

- Periodic monitoring & reporting of Portfolio quality on various dimensions to respective stakeholders. Identify and monitor any early warning in Portfolio health and delinquency

- Use data and analytics for portfolio health tracking and systematically improving the Policy and Process