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06/10 Bhumika
Managing Partner at Kairos Consulting India

Views:153 Applications:39 Rec. Actions:Recruiter Actions:15

Team Member - Credit Policy - Consumer Loans (4-8 yrs)

Mumbai Job Code: 1164687

Credit Policy - Consumer Loans - BFSI - CA

Job Title : Team Member_ Credit Policy

Platform : Group Function

Reporting To : Head _CL Policy

Business Unit : Credit

Department : Credit

Location : Mumbai



- Primary accountability for the definition and adherence to credit policies for consumer loans lending products

- Focus on creating an industry-leading credit policy and digital onboarding/underwriting process to provide quick approval TAT for various Consumer Finance loans with an eye on market and competition


Credit decision making

- Review credit strategies, products, policies and procedures on a regular basis, and recommend amendments

- Ensure clear communication and adherence of credit decisions to the sales network

- Liaise with Compliance and Legal departments to ensure all relevant regulatory and governance requirements are met

- Supporting learning and development programs for Credit Managers to institute culture of credit writing excellence, and for Sales team to ensure stringent sourcing

- Implement departmental policies, systems, and procedure so that all relevant procedural/ regulatory requirements are fulfilled while delivering a quality and cost-effective service

- Analyze various portfolio trends and bureau data for future trends for effective decision making

- Effective interaction with business partners across functions including risk, technology, product management amongst others

Credit Monitoring & Communication and reporting

- Ownership of portfolio quality and performance by continuously monitoring portfolio health

- Work closely with Head for effective external communication and responding to any enquiries from RBI or any other regulatory / statutory body

- Setup a strong portfolio governance mechanism and periodically review the same.


- Educational Qualifications : MBA finance or CA

- Relevant and total years of Experience: 5+ and 7+ years in finance industry with proven track record of managing credit policies from design to implementation

Women-friendly workplace:

Maternity and Paternity Benefits

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