Risk Head - Consumer Durables & SME Loan - NBFC

Industry - Banking

Skills - Risk, Credit, Underwrirting, Portfolio Monitoring

Job Type - Permanent

Description - An opportunity to be in the leadership team to drive the organisations appetite for Risk and define the credit capabilities of the organisation

- Underwriting and setting up processes to built on a portfolio from scratch and monitoring the portfolio health to built on a sustainable book

Client Details :

IREP Credit Capital is registered with the Reserve Bank of India as a Non Deposit Taking Non-Banking Financial Company (NBFC-ND). Having started its key operations in December 2012, IREP Credit Capital aims to become a significant player in the wholesale financing space and evolve its lending portfolio as a senior secured lender across sectors.

IREP focuses on wholesale financing and lends senior secured loans across sectors on themes built around :

- Core Economy and Growth oriented sectors such as Infrastructure, Capital Goods, Autos, Real Estate etc.

- Mass Consumption and Recession proof sectors such as Healthcare, Media, Retail, Education, Food Service etc.

Description :

- Managing overall Credit Policy for Consumer Durables & SME

- Design and implementation of credit policy and programs, new initiatives, periodical changes in credit policy and programs based on the inputs provided by the sales team and market feedback, providing inputs on product and policy being followed by competitors in the market.

- Setting up of underwriting standards in accordance to the market approach and the risk apetite of the organisation

- Assist the Product team in developing the Product Program Guidelines (PPG/PDD) - To monitor & maintain the portfolio Quality.

- Create & Publish Scorecards - Develop rules for creating algorithm & rule engines for enabling faster credit underwriting with help of IT team.

- Keep Abreast of regulatory requirements which form part of policy input & incorporate changes in Policy when required

- Facilitate reporting to regulators

- Develop dashboards & MIS for review of the portfolio health

Profile :

The desired candidate should have the following skills :

- Exposure to underwriting of the loan applications for Consumer Durables & SME

- Expertise in systems monitoring for Consumer durable underwriting

- Setting up of matrix for segment based approach towards underwriting of bulk

- Implementation of monitoring mechanisms for ensuring sound health of the portfolio

- Dealing with regulatory bodies to ensure the laid down compliances & regulations have been adhered too

- Liasioning with product,sales, legal and other enabling verticals to ensure the offering to be at par with the market standards

Job Offer :

- An opportunity to be in the leadership team to drive the organisations appetite for Risk and define the credit capabilities of the organisation

- Underwriting and setting up processes to built on a portfolio from scratch and monitoring the portfolio health to built on a sustainable book

- A team building opportunity across various hierarchy of the organisation

To apply online please click the 'Apply' button below. For a confidential discussion about this role please contact Bhavik Doshi on +91 (0) 22 4236 3371.

Contact - Bhavik Doshi

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