Risk Manager

Training and Development

Support all the Location Heads and Technical Managers in identifying training and development needs of all team members, partners and support staff to implement and follow product policy and processes. Conduct and lead workshops and training on policies understanding both in letter and spirit.

Transactional Guidance

• Timely revert on policy deviations raised to the Policy Unit by frontline sales and credit teams.
• Good to have skills - Good oral and written communication and report writing skills. - Managerial Qualities. - Initiative. - Process Orientation
• Be a partner to all stakeholders on new and existing loan applications, providing guidance on credit appetite
  

• Job Purpose:
• Primarily responsible for monitoring & managing Credit Quality – Underwriting and Portfolio.

Role:

• Ongoing Policy Development
• Develop product risk policy guidelines and framework, schemes, programs and devising risk strategy for business; competition tracking and building stronger proposition for the company
• Provide regular and ongoing feedback to stakeholders such as Business, Tech and Operations unit to aid in innovating the current product offering, launching new products as well as system developments and enhancements.
• Dissemination of Policies to appropriate levels, generation and publication of appropriate MISes
• Discontinuing policies and schemes/programs contributing to higher delinquencies / losses.
• Innovative tech led verifications and vetting of applications Portfolio Monitoring and Audit
• Track Vendor empanelment, management and regular reviews of vendors
• Identification of Early Warning Risk Indicators through monitoring triggers and quality control testing standards.
• Prepare timely and appropriate quality control testing documentation
• Setting up of benchmarks - periodic review of portfolio through these triggers and benchmarks
• Quantifying major parameters for objective monitoring of portfolio quality.
• Initiation and monitoring of corrective action plans for the audit findings, quality control findings, process lapses, breach of triggers/benchmarks against approved programs and policies
• Ensuring that the corrective plans results in maintaining Gross and Net NPAs within the budgeted level. Preparation of risk dashboards / management presentations that outline findings / portfolio cuts, explain risk positions / mitigant, and recommend changes periodically
• Provide sufficient and timely reporting to management as required including timely escalation of high risk issues and concerns. Training and Development
• Support all the Location Heads and Technical Managers in identifying training and development needs of all team members, partners and support staff to implement and follow product policy and processes. Conduct and lead workshops and training on policies understanding both in letter and spirit. Transactional Guidance
• Timely revert on policy deviations raised to the Policy Unit by frontline sales and credit teams.