Policy Manager (Personal Loans)

Role & responsibilities

• The role requires to process, implement and develop risk strategies for personal loan business
• Operate and maintain an effective risk management system by creating a robust risk framework which includes risk identification, assessment, mitigation, tracking and reporting
• Management of portfolio risk to maintain the overall losses in the business
• Monitor portfolio delinquencies at micro level, identification of segments, locations, channels, profiles and proposing policies/ strategies to enable business and control risk
• 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
• Implementation of technological interventions like scorecard, digital journey and automations
• Using analytics to track various risk KPIs against the defined risk appetites
• Recommend improvement to processes and policies to drive operational efficiencies