Product Policy Risk Manager - NBFC

Products - Business loan/Educational Loan/Professional Loan

Job Overview:

We are looking for a Risk Manager to oversee risk management for loan portfolio. You will be responsible for defining and implementing risk strategies, ensuring portfolio health, and collaborating across teams to drive business growth while maintaining a robust risk framework

- Formulate and execute risk-based underwriting strategies that balance customer acquisition with robust risk management.

- Lead risk segmentation efforts by categorizing loan applicants based on credit scores, financial behaviors, and other key risk indicators to optimize decision-making.

- Develop and refine risk models to improve underwriting decisions and ensure a strong, high-quality loan portfolio.

- Collaborate closely with Data Science, Product, Business, and Operations teams to ensure risk strategies are aligned with broader business goals and objectives.

- Ensure the smooth execution of lending initiatives by integrating risk management processes and protocols throughout operations.

- Evaluate channel partners based on their business models, product offerings, operational processes, and overall creditworthiness, ensuring strategic alignment with organizational risk policies

- Assess and mitigate operational and process risks in collaboration with channel partners, focusing on minimizing external risks to the organization.