Policy Manager - Business Loans/Personal Loans

- Formulation & implementation of credit policy framework for Housing Loan product within regulatory guidance & risk appetite of the bank

- Ensuring process & underwriting efficiencies through tech initiatives/digitalization

- Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders

- Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance

- Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool

- Peers interaction and stakeholders engagement across locations product innovation through localized & segment specific norms

- Support system changes to improve quality of data and ease of processes

- Periodical health councils, management reviews, stakeholders reviews, monthly risk update/risk newsletters, stakeholder reviews

- Ensuring adherence to Internal audit/RCSA/regulatory/compliance observations for process/policy improvement

- Ensuring superior & consistent customer service

- Preparation of monthly newsletters and MIS