Senior Policy Manager - Gold Loans

- Strategy formulation, product and policy design Should work closely with Sr Management and provide assistance on formulation and implementation of Risk strategy on Gold loans Work closely with business team and provide concrete inputs on development and or improvement of existing product

- Devise credit and risk policy obtain management buy in and ensure 40% 40% implementation.

- Preparing SOPs on various aspects relating to the underwriting / credit Co-ordinating with IT team in the development of LOS / LMSPortfolio Monitoring Devise information dashboards covering all aspects of portfolio and productivity and methodology for information dissemination at appropriate levels.

- Undertake periodic portfolio reviews with respective stakeholders to identify the bottle neck and make action plan. Anticipate risks due to change in business and regulatory environment and take corrective action Engage with local intermediaries to undertake detailed market survey. Identify areas of concern and pockets to maximise business opportunity Keep updated with market and industry specific changes and bring about changes in policy and product and maintain competitiveness

- Regulatory reporting to be done as per standards after checking Ensure control over credit loss in the portfolio Closely monitor flow of accounts and drive collection team to collect the accounts Ensure delinquency ratio within the permissible limits 30% 30% Audit & Compliance Ensure Team is updated and trained with regards to risk and compliance norms Lead and engage with regulators for any kind of audits and inspection.

- Ensure minimum no of audit observation Devise the Risk Control matrix covering all the stages of process. Undertake periodic audit of branches to ensure process compliance and control effectiveness identify the process improvement and standardisation opportunities 20% 20% Risk Budgeting, Hiring & Vendor Management Ensuring the Hiring is as per the 10% 10% budgeted numbers and attrition levels are minimal. Monitoring the vendor performance (Legal, Technical, CPV etc) on regular basis