Senior Manager - Risk Policy - Personal Loan

1. Designing and implementing an overall risk management process for the Personal Loan portfolio, which includes an analysis of the financial impact on the company when risks occur

2. Performing a risk assessment: Analyzing current risks and identifying potential risks that are affecting the company

3. Own the portfolio risk metrics - Loss forecasting, Stress testing, Credit Risk, Liquidity risk, Collections performance & strategy & overall ROA by
segment.

4. Monitor portfolio risk from granular dimensions and constantly implement strategies to maintain risk metrics within specific ranges.

5. Monitor various operational metrics and develop alerting mechanisms to maintain process efficiency

6. Designing and implementing strategies for Underwriting, Account Management, Portfolio Monitoring and Collections

7. Develop risk based credit policies and pricing grids to maximize approvals within specific segments of risk

8. Work with data science team which will develop algorithms and
scorecards and drive decision models across various business segments.

9. Partner with Engineering team to implement policies and scorecards.

10. Supervise creation of time-sensitive analytics, visualisations, and complicated, high-visibility reports for Risk and Business management to use in portfolio monitoring and strategic decision-making.