Vice President - Credit Risk & Underwriting - Bank

Vice President - Credit Risk & Underwriting

Roles & Responsibilities :

1. Conceptualizing and implementing the lending product(s).

2. Liaising with lenders like Banks, NBFCs and credit bureaus etc. and managing the business relationship.

3. Structure the credit, risk, underwriting Policy of the loan product

4. Responsible for the new initiatives, strategic alliances & partnerships pertaining to lending vertical.

5. Maintain a detailed and current understanding of the Personal loan industry, current market structures, regulatory requirements, and issues.

6. Ensure compliance with the policies, procedures, and regulatory requirements.

7. Lead, motivate, and continuously develop a credible high performing team.

8. Recommending and leading new opportunities within the credit market.

The key activities will include :

1. Design of a lending product to suit each phase of the project

2. Design of an underwriting system (whether in-house or FLDG model)

3. Work with the finance team to raise funding (whether debt or equity)

4. Development of a tech platform that can integrate with the current platform for loan management and disbursal

5. Structure the credit, risk, underwriting Policy of the loan product

6. Building and strengthening the collections team and systems