AVP - Policy (LAP)

Creditsaison; Thane; On-site; INR 1,500,000 - 2,000,000; Full time

Job summary

A financial services company is seeking a Risk Manager to lead risk policies for secured loans. The role involves collaborating with analytics and managing risk frameworks while providing training to teams. Candidates should have over 15 years of experience and a Tier-1 MBA preferred. Excellent team handling and communication skills are essential. This position is located in Thane, Maharashtra, India.

Qualifications

• 15+ years of relevant work experience is required.
• Must have excellent team handling skills and be able to work with stakeholders.

Responsibilities

• Lead and manage risk policies for secured loans.
• Work with analytics to inform policy decisions.
• Develop and implement risk frameworks.

Skills

Team handling skills

Flexibility in taking initiatives

Effective communication

Education

Tier-1 MBA

Job description

Job Description

• Leading and managing risk policies across the secured loans on branch side
• Identifying business opportunities, strategizing, and building roadmap along with cross-functional teams to launch new programs and products aligning with organisational goals
• Working closely with analytics team to take policy decisions using combination of outputs from credit, collections, analytics and market
• Developing risk framework including EWS, analysing large datasets of risk metrics to extract valuable insights about the portfolio exposures and sharing the learnings with the branch teams
• Identifying key loss insights and trends within portfolio of loans, applying analytic methods with knowledge of loan origination flow and industry benchmarks
• Designing, managing and automating secured loans policies, new programs, cross-sell, partnerships, processes, line products from risk management perspective
• Implementing robust and appropriate internal controls with insights and recommendations on key risk and regulatory issues
• Leading and implementing key risk projects, large complex projects and initiatives in liaison with business
• Identifying the need for training to credit and sales teams and designing policy training programs
• Designing standard operating procedures for various processes
• Formulating location specific credit and collateral related policies and procedures
• Visit branches for market updates, feedback sharing and training

Skill set required

• Relevant work experience of 15 years+
• Excellent team handling skills
• Flexible to take up new initiatives
• A team player who can work in sync with internal and external stakeholders
• Clarity in communication and confidence to put forward one’s view
• Tier-1 MBA candidates will be preferred