Senior Vice President - Risk Policy - Urban Unsecured & Digital Portfolios

Senior Vice President of Risk Policy for Unsecured and Digital portfolios will be responsible for shaping and implementing risk management strategies within our organization. Primary focus will be on unsecured lending and digital financial products, ensuring robust risk frameworks are in place to safeguard the organization against potential losses.

Responsibilities:

1. Risk Strategy Development: Formulate and implement risk policies and strategies for unsecured lending and digital products to achieve a balance between business objectives and risk tolerance.

2. Portfolio Monitoring: Oversee the ongoing monitoring of risk metrics and key performance indicators related to unsecured and digital portfolios, providing insights to executive leadership.

3. Regulatory Compliance: Stay abreast of industry regulations and ensure that risk policies align with legal and regulatory requirements for unsecured lending and digital financial products.

4. Credit Underwriting: Collaborate with credit underwriting teams to enhance and optimize underwriting models, ensuring the accuracy and effectiveness of credit decisions.

5. Stress Testing: Develop and conduct stress testing scenarios to assess the resilience of the unsecured and digital portfolios under adverse economic conditions.

6. Risk Mitigation Strategies: Identify emerging risks and develop mitigation strategies to proactively address potential challenges in the unsecured and digital risk landscape.

7. Cross-Functional Collaboration: Work closely with cross-functional teams, including product development, technology, and finance, to integrate risk considerations into the development and enhancement of unsecured and digital products.

8. Reporting and Communication: Prepare and deliver comprehensive risk reports and communicate key findings to executive leadership and relevant stakeholders.

Qualifications:

- Minimum of 16-18 years of experience in risk management, with a focus on unsecured lending and digital financial products.

- Strong understanding of credit risk, underwriting, and portfolio management.

- In-depth knowledge of regulatory requirements and industry best practices related to unsecured lending and digital financial services.

- Proven leadership experience with the ability to drive strategic initiatives and manage cross-functional teams.

- Excellent analytical and problem-solving skills.

Education:

Masters / Bachelor's degree in Finance, Business, or a related field. Advanced degree (MBA, MS) preferred.