Credit Risk Manager- Personal Loan

Role & Responsibilities

• Formulate and implement the credit policy framework for the Personal Loan product in alignment with regulatory guidelines and the bank's risk appetite.
• Track portfolio triggers, risk levels, NPA/write-off trends, and asset quality; identify performing and non-performing segments.
• Establish credit monitoring mechanisms to proactively identify and mitigate potential risks.
• Provide guidance and clarification on policy parameters to ensure consistent adherence by stakeholders.
• Drive underwriting and process efficiency through digitalization and tech-led initiatives.
• Ensure strict compliance with internal controls, risk management systems, and operational risk protocols.
• Engage with peers and stakeholders across locations to develop segment-specific norms and gather market intelligence on competitor products and trends.
• Support system and data improvements for enhanced process quality and data-driven decision-making.
• Conduct periodic health councils, management and stakeholder reviews, and disseminate monthly risk updates or newsletters.
• Ensure compliance with internal audit, RCSA, and regulatory observations, and initiate improvements accordingly.
• Prepare monthly MIS and present portfolio performance and insights to senior management.
• Possess working knowledge of structured transactions, including Lease Rental Discounting (LRD), and product structuring.
• Leverage data analytics to identify credit trends, customer behaviors, and optimize policy decisions.
• Collaborate with Data Science and Technology teams to automate credit decisioning and enhance system-based underwriting.
• Oversee development, deployment, and maintenance of BREs, scorecards, and ensure successful User Acceptance Testing (UAT).
• Conduct collateral analysis and monitoring, including valuation changes, recoverability risks, and legal due diligence.
• Stay current with evolving regulatory guidelines and ensure compliance in all credit-related processes.