Risk Policy Professional - NBFC Startup

Write Credit Policies, product parameters, processes and related guidelines Review/change/modify documentation processes, forms and guidelines for all Mortgage products

Manage and monitor portfolio quality.

Undertake periodic portfolio and collection reviews for the business and monitor the branches on triggers & NCL lines

- Undertake monthly reviews based Portfolio MIS

- Manage triggers and take decisions on portfolio basis the triggers

- Risk Mitigation: Identify and analyze risks related to broader loan portfolio; ensure portfolio diversification and quality across activities and area

- Monitoring & Compliance: Ensure adherence to policies and processes, correcting procedural flaws; ensure proper documentation; support Branches in troubleshooting field problems and identifying, designing, and implementing improvements. Ensure that the policies/processes are in adherence with legal and compliance framework in force

- Enable credit training for Territory/Cluster / branch approvers/officers on credit fundamentals and processes including origination, credit approval, collection, documentation and disbursement processes

- Enable/Control credit delegations and approval authority for underwriters

- Support & coordinate with training team for Credit Related modules

- Work closely with Risk Control and Review and Internal Audit team. Finalize audit parameters and risk categorization with them

- Work with fraud control teams to streamline fraud processes

- Monitor/Manage Credit origination expenses

- Interaction with various support groups including IT and compliance to initiate/review systems/processes