Lead - Risk Policy (Micro LAP)

Godrej Capital; Mumbai; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Godrej Capital seeks an experienced risk leader to head the Credit Policy and Risk function for Micro LAP Mortgages. You will drive strategic policy enhancements, process improvements, and technology initiatives to support growth while ensuring robust risk controls.

In this role you will manage policy governance, collaborate with Business, Analytics, Technology, Operations, and Credit teams, and develop dashboards for risk monitoring.

Qualifications

• Bachelor-level or professional degree in finance, CA or MBA is mandatory.
• 4–5 years of Retail Lending Risk experience with strong exposure to Mortgages (Micro LAP, Small-ticket LAP, Affordable LAP).
• Exposure to Micro CF is a plus.

Responsibilities

• Independently manage and continuously enhance credit policies.
• Provide guidance on policy queries to support business decisions.
• Present policy updates, portfolio insights, and risk strategies to senior management.
• Develop and maintain dashboards to monitor key risk indicators and portfolio health.
• Conduct real-time transaction monitoring to ensure policy compliance.

Skills

Retail Lending Risk

Mortgage lending

Policy communication

Education

CA / MBA (mandatory)

Job description

Lead the Credit Policy and Risk function for Micro LAP 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 Mortgages preferably in Micro LAP, Small-ticket LAP, Affordable LAP. Exposure to Micro CF will be an added advantage.