Sr. Professional Risk & Policy - LAP (BFSI)

People Konnect; Gurugram District; Presencial; INR 900.000 - 1.400.000; Jornada completa

Descripción de la vacante

People Konnect in India is seeking a senior leader to own the LAP policy and risk framework, balancing growth with prudent risk controls. The role demands designing and reviewing credit policies aligned with regulatory and market changes, and leading a team that analyzes portfolio performance to drive policy interventions.

The candidate should bring 14+ years of LAP risk experience, with deep knowledge of MSME lending and underwriting, and will collaborate with Sales, Product, Operations,

Formación

• Minimum 14+ years of experience, with relevant experience in LAP Policy and Risk Management.
• Strong understanding of MSME lending, LAP product frameworks, eligibility assessment, underwriting, and associated credit risks.
• Experience in credit policy design, documentation, portfolio monitoring, and risk management.
• Knowledge of industry practices, competitive policies, regulatory developments, and verification methodologies.
• Experience in digitization, automation, and process improvement initiatives.
• MBA / B Com (Hons.) / CA qualification.

Responsabilidades

• Own the overall LAP portfolio performance, balancing business growth with risk management.
• Design, implement, and review credit policies in line with business objectives, regulatory changes, and market trends.
• Identify risk-calibrated growth opportunities through portfolio analysis, industry trends, and market intelligence.
• Develop underwriting frameworks, eligibility criteria, sectoral risk appetite, and policy structures for new lending programs.
• Drive process improvements, digitization, and automation to improve TAT and customer experience while managing credit risks.
• Monitor portfolio performance, early warning signals, risk concentration, and business inflows; recommend policy interventions.
• Maintain credit policy documentation and ensure effective implementation across Sales, Credit, and Operations.
• Strengthen verification, underwriting, and post-disbursement monitoring processes, including Stock Audits, PDD, Escrow, and Charge Creation.
• Provide policy and risk inputs for business partnerships and digital lending initiatives.
• Monitor underwriter performance, authority delegations, and policy adherence.
• Work closely with Sales, Credit, Product, Operations, Finance, and Compliance teams.
• Lead the Risk & Policy team and manage internal and external stakeholder relationships.

Conocimientos

Strong communication

Stakeholder management

Team management

Ownership skills

Analytical skills

Educación

MBA

BCom (Hons.)

CA

Herramientas

MS Excel

MS Word

PowerPoint

Descripción del empleo

Reporting To: Business Head – Risk & Policy

Key Responsibilities:

• Own the overall LAP portfolio performance, balancing business growth with risk management.
• Design, implement, and review credit policies in line with business objectives, regulatory changes, and market trends.
• Identify risk-calibrated growth opportunities through portfolio analysis, industry trends, and market intelligence.
• Develop underwriting frameworks, eligibility criteria, sectoral risk appetite, and policy structures for new lending programs.
• Drive process improvements, digitization, and automation to improve TAT and customer experience while managing credit risks.
• Monitor portfolio performance, early warning signals, risk concentration, and business inflows; recommend policy interventions.
• Maintain credit policy documentation and ensure effective implementation across Sales, Credit, and Operations.
• Strengthen verification, underwriting, and post-disbursement monitoring processes, including Stock Audits, PDD, Escrow, and Charge Creation.
• Provide policy and risk inputs for business partnerships and digital lending initiatives.
• Monitor underwriter performance, authority delegations, and policy adherence.
• Work closely with Sales, Credit, Product, Operations, Finance, and Compliance teams.
• Lead the Risk & Policy team and manage internal and external stakeholder relationships.

Required Skills & Experience:

• Minimum 14+ years of experience, with relevant experience in LAP Policy and Risk Management.
• Strong understanding of MSME lending, LAP product frameworks, eligibility assessment, underwriting, and associated credit risks.
• Experience in credit policy design, documentation, portfolio monitoring, and risk management.
• Knowledge of industry practices, competitive policies, regulatory developments, and verification methodologies.
• Experience in digitization, automation, and process improvement initiatives.
• Strong data management and analytical skills.
• Proficiency in MS Excel, Word, and PowerPoint.
• Strong communication, stakeholder management, team management, and ownership skills.

Qualification: MBA / B Com (Hons.) / CA.