Vice President:Risk_AFL

Role description

Job Description:-

• Own Board approved Credit policy for Secured loans in line with RBI guidelines

• Oversee and ensure annual review , consolidation & board approval of all policy documents for Secured portfolio & Monitor portfolio level guardrails

• Ensure policy version control , documentation and audit traceability

• Own and oversee BRE policy automation and maintenance including deployment accuracy, validation and monitoring.

• Portfolio review and monitoring – monitor key trends across budgeted numbers , delinquency KPIs , portfolio level loss and vintage targets

• Design new program/product policy in collaboration with product and business teams with clearly defined No-go cut-offs, portfolio/program trigger guardrails

• Build  exceptions/deviations grid and monitor  trends and performance

• Conduct rigorous policy training sessions to ensure policy alignment across sourcing / credit teams

• Monitor PAR trends and initiate corrective action plan as warranted

• Monitor change impact ( Policy /Scorecard/Automation) on balance growth , customer TAT & portfolio quality

• Initiate policy or strategy decisions basis emerging risks

• Design & suggest stress scenarios for Secured portfolio basis market dynamics

• Closely monitor PDD framework and initiate corrective action as warranted

• Strengthen Location wise Collateral policy in collaboration with Product and Business team

Level- DVP/VP

Experience - 15 to 18 years

Qualification – MBA/CA