Credit Policy Manager

Vistaar Finance; Bengaluru; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Vistaar Finance in Bengaluru seeks an experienced risk professional to shape credit policy guidelines across loan products and strengthen operational risk management frameworks. You will collaborate with stakeholders to align RMF/ERM with business goals and ensure robust internal controls and governance.

The role requires 4–8 years in banking or finance, with hands-on policy development and risk assessment experience.

Qualifications

• 4–8 years of experience in banking or finance, preferably in credit policy development or operational risk management.
• Strong understanding of RMF, ERM, Internal Controls, and Risk Governance principles.
• Experience in developing policies for various loan products such as personal, home, and business loans.

Responsibilities

• Develop credit policy guidelines for various loan products, ensuring regulatory compliance.
• Conduct operational risk assessments to identify risks and implement mitigation strategies.
• Collaborate with internal stakeholders to develop an enterprise risk management framework aligned with business objectives.
• Ensure effective implementation of enterprise risk management practices across the organization.
• Provide guidance on risk governance, control testing, and monitoring procedures.

Skills

Credit policy

Operational risk

Risk governance

Internal controls

ERM

Job description

Roles and Responsibilities

• Develop credit policy guidelines for various loan products, ensuring compliance with regulatory requirements.
  


• Conduct operational risk assessments to identify potential risks and implement mitigation strategies.
  


• Collaborate with internal stakeholders to develop a comprehensive risk management framework that aligns with business objectives.
  


• Ensure effective implementation of enterprise risk management practices across the organization.
  


• Provide guidance on risk governance, control testing, and monitoring procedures.
  

Desired Candidate Profile

• 4-8 years of experience in banking or finance industry, preferably in credit policy development or operational risk management.
  


• Strong understanding of Risk Management Framework (RMF), Enterprise Risk Management (ERM), Internal Controls, and Risk Governance principles.
  


• Experience in developing policies for various loan products such as personal loans, home loans, business loans etc.