Risk Policy Manager - Supply Chain Finance Vertical

This job role will require the incumbent to manage end-to-end risk policy implementation, portfolio management and governance for Supply Chain Finance (SCF) vertical. The role requires to safeguard portfolio quality across anchor/vendor/dealer book, monitor underwriting decisioning, rating frameworks, deviation and program guardrails.

The incumbent is expected to drive monitoring for first-time-right decisioning as well as forward looking portfolio management. You will partner with Business, Product, Credit to structure deals, monitor triggers, and execute timely portfolio actions, while producing insightful senior-management reporting and ensure "always audit-ready" portfolio and risk management documentation.

Key Roles & Responsibilities:

Portfolio management:

- Support credit risk assessment processes for SCF, including credit scoring, underwriting standards, and risk segmentation to mitigate credit losses and optimize portfolio performance

- Own portfolio caps, triggers and thresholds. Monitor risks across program and borrowers, sampling discrepancies and drive corrective actions (portfolio, program and borrower level).

- Design and implementation of portfolio monitoring mechanisms, identifying emerging risks, trends, and opportunities for portfolio optimization

- Design customised reports by products and by program to identify, capture and monitor borrower, program and portfolio level risk.

- Decision monitoring: Monitor underwriting decisioning for policy and UW guidelines compliance and adherence to product constructs, anchor/vendor/dealer assessments, scorecard requirements.

Policy implementation:

- Design, validate and modify Policy, Deviation matrices, workflows (basis market and business requirements) while keeping in mind the risk appetite.

- Lead PIR/post-implementation improvements, risk policy testing and UAT in the technology platform, process improvements from a Risk and Policy perspective.

- Own, identify, design RCSAs and KRIs to ensure Policy and UW Guidelines implementation

- Systematically identify early-warning signals in the portfolio, coordinate cross-functional fixes with Business/Credit/Collections/Operations, and track outcomes to closure

Regulatory, audit & compliance:

- Ensure adherence to RBI guidelines, internal Policies, processes and assist in addressing regulatory changes and updates.

- Market and regulatory scan for emerging risks and compliance requirements

- Minimum- 5 years in Risk Policy / Policy monitoring / Portfolio Monitoring in Supply Chain finance in NBFCs / Banks / Fintech