Policy Manager - Loans

Policy Formulation:

- Review and recommend changes to policy/process based on local practices and market feedback.

- Improvement in existing processes of credit underwriting, risk management and its implementation.

- Ensuring compliance of product policies, BRE coding, testing and its implementation.

- Competition benchmarking of the policy and process. Roll out and support Business initiatives for specific products.

Portfolio Monitoring:

- Monitoring delinquencies and stress accounts and recommending & implementing appropriate risk actions.

- Analyse the portfolio and identify and monitor early warning signals and Key risk indicators

- Develop, define and manage a comprehensive quantitative/qualitative risk reporting framework.

- Monitoring PDDs and Formulation of PDD trigger matrix.

Liaising with Internal Stakeholders & Market Interaction:

- Closely working with ground teams Underwriting/ Sales/ Collections/ Operations/Product to define acquisition policies, get ground feedback and enable faster turnaround time.

- Travelling across locations for understanding the local policy and product requirements, process review and imparting training.

- Review observations highlighted in Internal audit reports and recommend processes/system in place to avoid recurrence.

- Develop, plan and implement training modules and means to disseminate product specific risk knowledge to stakeholders.