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Policy Manager - Business Loan/Personal Loan/Home Loan - Bank (4-12 yrs)
Policy Manager - Business Loan, Personal Loan, Home Loan
Job Description:
- Credit Risk Management of Retail loans portfolio
- Simplification of processes through automation and digitization projects
- Strengthening Systems, Controls & Processes for robust compliance
- Superior & Consistent Customer Service
- Formulation of Credit policy within regulatory parameters and risk appetite of the bank
- Ensure Implementation and adherence of Credit Policy through training of credit and operations team on the policy parameters and consistent guidance on the clarifications on product and policy parameters
- Prepare monthly newsletter - snapshot of Portfolio performance, monthly acquisition trend, quality of portfolio and trigger monitoring
- Identify areas of improvement in existing processes of credit underwriting, risk management and operations and its implementation.
- Responsible for monitoring quality of the portfolio by monitoring infant delinquencies, NPAs and stress accounts
- Travelling across locations for understanding the local policy and product requirement, process reviews and imparting training
- Risk Control Self-Assessment (RCSA) reporting to Operational Research function
- User Acceptance Test (UAT) of systems and its implementation in production environment
- Delegation of authority and monitoring of overdue
- Support system changes to improve quality of data and ease of process
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