Senior Manager - Risk - Rural Lending

Duties and Responsibilities:

- Responsible for formulating, implementation/dissemination & adherence of risk policy for all products under Rural Finance umbrella.

- Working closely with product team for understanding competitor strategy and tweaking policy as per market requirement

- Extensive travel to locations to understand market and refine and upgrade policy as per market requirement and after risk assessment

- Maintaining loss rates within budget

- Defining various risk metrics and monitoring them and publishing for all Rural Finance products to enable senior management to take various strategic decisions

- Portfolio risk monitoring & management

- Define and ensuring adherence of acquisition processes for front end, credit process for credit, operations process for operations

- Ensure continuous evaluation of credit ops process to identify improvement and execution of the same in coordination with credit ops.

- Support product team in developing systems, IT development and improvement of the same and is line with business requirements.

- Working closely with RCU to develop RCU policy/process across products and markets

- Building framework to continuously assess and evaluate system capabilities to eliminate operational loss

- Developing file audit and sharing feedback to all stake holders

- Support business in various initiatives and promotions by enabling business growth and maintaining portfolio quality

- Policy and Process audit

- Extensive Market visits

- Data Analytics