Risk Manager - Product Policy - Secured Portfolio/NBFC

About:

- 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.

- Analyze and understand including key elements such as fraud mitigation, KYC processes, credit checks, and customer onboarding, lending practices adhere to regulatory standards and mitigate risk.