Responsibilities
The role requires to process, implement and develop risk strategies for Consumer business
- Operate and maintain an effective risk management system by creating a robust risk framework which includes risk identification, assessment, mitigation, tracking and reporting
- Evaluate product/programs/policies in line with regulatory guidelines and build strong risk controls across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation, etc.)
- Assessment of scorecards and formulation of policies/ strategies basis scorecard
- Ensure credit policies align with business strategy and RBI regulatory norms.
- Conduct regular monitoring of portfolio KPIs: bounce rates, delinquency trends, and EWS.
- Build and monitor EWS dashboards to detect stress in mortgage portfolio.
- Use statistical tools (Excel, SQL, SAS, Python) for deep-dive analytics where needed.
- Support ICAAP, IRB and stress testing documentation as needed
Qualifications
- Strong understanding of unsecured lending products like Credit Card, Personal Loans and Line of credit
- Prior experience in managing risk activities in retail lending and portfolio is essential
- Should have knowledge of process and risk policy framing.
- Should have relevant working knowledge of banking systems, digital journeys, Fiserv systems etc.
- Should be able to manage conflicting opinions. Should be able to interact crossfunction and bring the buying of all stakeholders.
- Ability to engage with senior stakeholders at a level of Product head/Portfolio head, Unsecured head or similar.
