Policy Manager – Personal/Agri Loan

Kairos Consulting India; Mumbai; On-site; INR 1,000,000 - 1,500,000; Full time

Job summary

A leading consulting firm in Mumbai is seeking a Policy Manager for Personal and Agri Loans. The role involves creating and implementing credit policies, portfolio monitoring, and leading new initiatives. Ideal candidates should possess sound knowledge of lending products, advanced Excel skills, and strong presentation abilities. This position is critical for the team, focusing on risk assessment and policy implementation.

Qualifications

• Sound knowledge of lending products and policies for rural businesses.
• Experience in PL and unsecured loans.
• Proficiency in Excel and other analysis tools.

Responsibilities

• Monitor and evaluate the performance of the portfolio.
• Lead design and implementation of credit policies.
• Ensure timely implementation of the policy through the digital team.

Skills

Knowledge of lending products and policies for rural businesses

Advanced Excel skills

Presentation skills to senior management

Tools

Power BI

Microsoft Excel

Job description

Job Role : Policy Manager – Personal Loan / Agri Loan

Location: Mumbai

Key responsibilities :

The person would be a senior resource, key to the team, he would be responsible:

– Policy Creation / Designing : writing/ amending existing credit policies in liaison with product, risk team;

– BRD preparation : ensure the same is implemented by the digital team.

– Portfolio Quality : Closely monitor and evaluate the overall performance RBF portfolio PAN-India. Study trends/ growth/ risk/ identify Early Warning Signs (EWS) and ensure corrective action is accordingly taken in the policy and we implement it in the field (on-boarding application) through the digital IT team.

– New Initiative’s : Ideation and Implementation of new products, if any.

Principal Accountabilities:

Portfolio Monitoring & Analysis:

– Monitor and evaluate performance indicators of Portfolio and study trends for growth and risk levels.

– To review the credit portfolio and propose appropriate corrective measures from time to time.

– Identify Early Warning Signals & Key Risk Indicators.

– Identify Industry trends and identify areas of opportunity & risk.

Credit Policy:

– Lead design & implementation of policy for Rural Business Finance / PL / Agri loan.

– Amendments to policies/processes with regard to managing various risks

– To set and monitor threshold limits for various product variants.

– To work with Bureau to track industry level initiatives.

Implementation of Policies:

– Ensure the policy is implemented through the digital team in a timely manner.

Functional Skills:

– Sound knowledge of lending products and policies for rural businesses. Knowledge of lending in PL, unsecured loans, PAN / markets would be an add-on.

– Knowledge-Excel, Word, Power-point a must. Advanced excel, Power BI / other analysis tools- add-on.

– Presentations Skills to senior management.