Senior Policy Manager - Retail Lending

Senio rPolicy Manager

- Building the lending framework for retail lending products (majorly unsecured product portfolio) and digital lending products.

- Framing credit policies, procedures and implementation for existing product portfolio and new product development (retail lending - unsecured and secured products)

- Exposure to BRD (Business Rule Development) and BRE (Business Rule Engine) for enhancing system capabilities

- Dealing with various partners to introduce new relevant practises and strengthening the policies.

- Collaborating with Data Science & Tech Team for increasing extent of automation and system decisioning to maximize the coverage of transactions through system

- Standardisation of processes, policy deviation matrix, manuals, etc.

- Analysing the market trends / practices and benchmarking of policies with the market.

- Ensuring all loans and lending procedures comply with regulations.

- Provide advisory support and interpretation of credit policies and procedures and interact with cross functional teams, driving the credit policy agenda and ensuring correct implementation of credit policy guidelines

- Risk evaluation framework for channel partners / dealers including onboarding risk, monitoring performance and policy mapping

- Perform ad-hoc assignments allocated from time to time

- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters

- Portfolio monitoring to track approval rates, delinquency rates, default rates, etc