Credit Policy Manager

Value Find Consultants; Mumbai; On-site; INR 1,200,000 - 2,100,000; Full time

Job summary

Value Find Consultants is seeking a policy-focused professional to define and implement policy and process flows for new product initiatives in the lending domain. The role emphasizes drafting credit and risk policies for LAP, SME and other loans, and ensuring alignment with regulatory expectations.

The candidate will coordinate with IT for policy implementation in LOS and rule engines, train front-end teams, and engage with cross-functional groups to drive policy changes and audits while

Qualifications

• Experience in LAP loans in small ticket size up to 3 Crores.
• Knowledge of lending framework in the NBFC sector, especially LAP and SME.
• Good knowledge of writing policies and presenting them well.
• Prior experience in policy with strong presentation skills and Excel knowledge.
• Sound knowledge of regulatory framework and current practices.

Responsibilities

• Defining and implementing Policies and process flows for new product initiatives
• Drafting of credit and risk policies for mortgage loans (Loan against property) , unsecured business loans and personal loans
• Review of credit policy and changes thereto from time to time to meet business / regulatory/ market changes within the overall risk appetite of the organization
• Circulation of advisories and issuing the circulars related to Policy desk. Maintaining the repository of the policies.
• Guiding front end team on the policy changes/ clarifications and conducting trainings for effective implementation
• Coordinating with IT team for Implementation of policies in the LOS/ rule engines including System integrations/ enhancements on need basis
• Travelling to locations whenever required for trainings and on-field market assessments.
• Interaction with various central teams (Product / Legal / PMO / Compliance / I.T. / COPS/ Risk Analytics etc.) on Policy changes and implementation
• Managing internal & external audit queries wrt Policy and closure of audit requirement within defined timelines
• Implementation of policy actions based on the learning’s from portfolio management.

Skills

LAP loan experience

Policy writing

NBFC lending knowledge

Regulatory knowledge

Policy implementation

Job description

Roles and Responsibilities :

• Defining and implementing Policies and process flows for new product initiatives
• Drafting of credit and risk policies for mortgage loans (Loan against property) , unsecured business loans and personal loans
• Review of credit policy and changes thereto from time to time to meet business / regulatory/ market changes within the overall risk appetite of the organization
• Circulation of advisories and issuing the circulars related to
• Policy desk. Maintaining the repository of the policies.
• Guiding front end team on the policy changes/ clarifications and conducting trainings for effective implementation
• Coordinating with IT team for Implementation of policies in the LOS/ rule engines including System integrations/ enhancements on need basis
• Travelling to locations whenever required for trainings and on-field market assessments.
• Interaction with various central teams (Product / Legal / PMO / Compliance / I.T. / COPS/ Risk Analytics etc.) on Policy changes and implementation
• Managing internal & external audit queries wrt Policy and closure of audit requirement within defined timelines
• Implementation of policy actions based on the learning’s from portfolio management.

Must Have :

• Experience in LAP loans in small ticket size of upto 3 Crores.. Knowledge of lending framework in the NBFC spectrum and more specific of the LAP and SME business Good knowledge of writing policies. Prior experience in policy with Good presentation skills and excel knowledge Sound knowledge of regulatory framework and current