Risk:Portfolio Risk Head - SCF & Consumer Loans

About Risk
The Risk department ensures that the Bank's risk is managed through a risk management architecture as well as through policies and processes approved by the Board of Directors encompassing independent identification, measurement and management of risks across the various businesses of the Bank. The Risk department of the Bank strives to proactively anticipate vulnerabilities at the transaction as well as at the portfolio level, through quantitative or qualitative examination of the embedded risks

About the Role
Risk & Policy team is responsible for managing credit risk for the Retail lending portfolio. Job entails defining policy norms for sourcing & underwriting of retail products, monitoring portfolio performance and ensuring that delinquency & credit losses are within the acceptable thresholds. This role requires close interaction with key stakeholders including Product incl DBAT, Sales, Credit, Operations, BIU, FCI & Collections. Additionally, there would be exchange of information with peers, engagement with bureau/partners and close networking with industry people
Specifically this role is responsible for risk and policy for Supply Chain Financing (Auto Inventory Funding) and Consumer Loans in Retail Lending

Key Responsibilities
KRAs would include the following,
.Discussion of policy requirements with key stakeholders & getting the same approved
.Formulating and executing risk based underwriting strategies as per defined loss budget
.Implementation of policy rules in system (Blaze)
.Managing the Digital Risk framework from credit risk perspective
.Monitoring of portfolio performance- Sourcing trends, Early delq tracking, TTD reports, etc.
.Monitoring early risk- 3M/6M 30+, Starter bounce, EWS trends, Margin calling, etc.
.Monitoring performance of scorecards/models used for credit decisioning
.Appraising the high value proposal and present risk rationale to the credit committee
.Closely monitoring the intensified loans (SME 5 and EWS 5 and above) and formulating recovery measures
.Analyzing the stock audit reports and recommend suitable action to the credit committee
.Monthly presentation of risk dashboard to the senior management and recommend suitable risk action for strengthening the portfolio performance
.Regular market visits including meeting with high value customers, DSA's and OEM's
.Carry out regular process reviews & Hindisighting
.Manage regulatory reporting, reporting to Senior Management, presentations to Board & other such committees
.Managing RBI, statutory and internal audits for the segment
.Portfolio management for specified products (SCF and Consumer Loans)

Qualifications
Optimal qualification for success on the job is:
.CA/MBA or Post graduate in Economics/Statistics or NIBM certified with alteast 10 years of experience
.Credit orientation
.Analytical aptitude
.Passion for technology and finance

Role Proficiencies:
.Have a good understanding of the product & market
.Strong networking with competition, bureaus, channel partners, etc
.Ability to influence stakeholders for managing portfolio in a risk calibrated manner
.Have an eye for detail & process oriented- high value credit appraisal, stock audits, EWS monitoring & review, margin calling, etc.
.Should have strong problem-solving mindset
.Readiness to learn new things without inhibition - be it technical or functional
.Should have good communication, presentation and inter-personal skills
.Proficient in analysing data & comfortable using analytical tools like Tableau, SAS, Python, etc.
.Strong leadership & mentoring skills
.Should have high level of motivation and be a fast learner.