Risk & Policy- Secured Loans

Key Responsibilities

• Own and manage board-approved credit policies for secured loans in line with regulatory guidelines
• Drive annual review, consolidation, and board approval of all policy documents for secured portfolio
• Ensure policy version control, documentation, and audit traceability
• Oversee BRE policy automation including deployment accuracy, validation, and monitoring
• Monitor portfolio performance across key metrics such as growth, delinquency, and loss trends
• Conduct portfolio reviews against budgeted numbers and vintage targets
• Design and implement new product/program policies with defined cut-offs and risk guardrails
• Develop and monitor exception and deviation frameworks to track performance
• Conduct policy training sessions to align sourcing and credit teams
• Track PAR trends and initiate corrective action plans as required
• Assess impact of policy, scorecard, and automation changes on business and portfolio quality
• Identify emerging risks and recommend policy or strategy interventions
• Design stress scenarios for secured portfolio based on market conditions
• Monitor PDD framework and drive improvements where required