Lead – Risk (Affordable Mortgages)

Godrej Capital; Mumbai; On-site; INR 1,200,000 - 1,500,000; Full time

Job summary

A leading financial services company in Mumbai is seeking an HR Maestro & Talent Trailblazer to lead the Credit Policy and Risk function. The successful candidate will have 4-5 years of experience in Retail Lending Risk and will be responsible for shaping policies, enhancing processes, and driving technology initiatives to bolster risk management. This full-time role requires CA or MBA qualifications and strong analytical skills. Join the dynamic team at this innovative organization.

Qualifications

• 4-5 years in Retail Lending Risk, with strong exposure to Affordable Mortgages.
• Experience as a Manager in a reputed HFC or Bank.

Responsibilities

• Independently manage and enhance credit policies.
• Conduct market studies and integrate best practices.
• Provide guidance to support business decisions.
• Engage with management to present policy updates.
• Offer feedback across departments for product innovation.
• Develop dashboards to monitor key risk indicators.
• Conduct real-time transaction monitoring for compliance.
• Provide insights to maintain portfolio quality.

Skills

Strong analytical skills

Influencing skills

Collaborative skills

Excellent oral communication

Excellent written communication

Strategic mindset

Hands-on execution capability

Proficient in Microsoft Office

SQL knowledge

Education

CA / MBA

Tools

Microsoft Excel

Microsoft Word

Microsoft PowerPoint

Job description

Direct message the job poster from Godrej Capital

HR Maestro & Talent Trailblazer | Hiring diverse talent for a shared goal at GC

Grade: L2 – Manager

Reporting to: Head – Risk (Secured Lending)

Location: Head Office

Function: Risk

Job Purpose

Lead the Credit Policy and Risk function for Mortgages, driving strategic enhancements in product policies, process improvements, and technology initiatives. Act as a key influencer across departments to ensure robust risk management aligned with business growth.

Key Responsibilities

Credit Policy

• Independently manage and continuously enhance credit policies, balancing business needs with risk appetite.
• Conduct market studies and peer benchmarking to integrate best practices into product policies.
• Provide timely guidance and responses to policy queries to support business decisions and foster a strong risk culture.
• Engage with senior and top management to present policy updates, portfolio insights, and innovative risk strategies.

Stakeholder Collaboration

• Offer ongoing feedback to Business, Analytics, Technology, Operations, and Credit teams to support product innovation and market responsiveness.
• Disseminate policies effectively through training, knowledge tools, and clear communication to all relevant stakeholders.
• Develop and maintain dashboards to monitor key risk indicators and portfolio health.
• Conduct real-time transaction monitoring to ensure policy compliance and uphold risk standards.
• Provide analytical insights to maintain portfolio quality and preempt emerging risks.

Qualifications & Experience

Education: CA / MBA (mandatory)

Experience: 4-5 years in Retail Lending Risk, with strong exposure to Affordable Mortgages

Preferred Background: Manager in a reputed HFC, Bank.

• Strong analytical, influencing, and collaborative skills
• Excellent oral and written communication
• Strategic mindset with hands‑on execution capability
• Proficient in Microsoft Office (Excel, Word, PowerPoint); SQL knowledge is a plus

Seniority level

• Mid‑Senior level

Employment type

• Full‑time

Job function

• Finance, Sales, and Analyst
• Financial Services, Banking, and Investment Management

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