Vice President – Risk Policy – Unsecured Business Loans Skillventory

The Corporate Institute; Mumbai; Vor Ort; INR 2.800.000 - 4.000.000; Vollzeit

Zusammenfassung

The Corporate Institute seeks an experienced Risk Policy leader to guide the unsecured lending risk framework and ensure regulatory compliance. You will drive policy development, credit risk assessment, and portfolio monitoring while coordinating with cross-functional teams to embed risk in product and portfolio decisions.

Ideal candidates bring 10–12 years in risk policy for unsecured lending, strong regulatory knowledge, and a track record of leading risk mitigation initiatives aligned with

Qualifikationen

• Minimum 10–12 years in Risk Policy for unsecured lending (BL).
• Experience in creating and implementing risk policies and frameworks.
• Strong knowledge of regulatory guidelines governing unsecured loan risk.

Aufgaben

• Lead development and implementation of risk policies for unsecured business loan products, aligning with risk appetite and guidelines.
• Lead credit risk assessment processes including scoring, underwriting standards, and risk segmentation.
• Ensure regulatory compliance and internal policies for underwriting and risk management.
• Contribute to portfolio monitoring mechanisms and analyze portfolio risks and trends.
• Lead risk mitigation strategies addressing delinquency, default, and fraud while supporting growth.
• Collaborate with Business Development, Product Management, Operations and Collections to integrate risk in processes.
• Prepare regular risk reports and updates to senior management and committees.

Kenntnisse

Credit risk assessment

Risk policy development

Regulatory compliance

Portfolio monitoring

Risk mitigation

Cross-functional collaboration

Management reporting

Ausbildung

Bachelor's degree in Finance / Banking / Risk management

Jobbeschreibung

Job Overview:

This job role will require the incumbent to lead and manage the Unsecured BIL division of the Risk Policy function of the company by supporting the development and implementation of risk policies and strategies specific to unsecured business loans, contributing to prudent risk management practices while supporting the company’s growth objectives.

Key Roles and Responsibilities:

• Lead in the development and implementation of risk policies and frameworks tailored to unsecured business loan products, ensuring alignment with the company’s risk appetite and regulatory guidelines.
• Lead credit risk assessment processes for unsecured business loan applications, including credit scoring, underwriting standards, and risk segmentation, to mitigate credit losses and optimize portfolio performance.
• Ensure compliance with regulatory requirements and internal policies governing unsecured business loan underwriting and risk management practices, assisting in addressing regulatory changes and updates.
• Contribute to the implementation of portfolio monitoring mechanisms and conduct analysis of unsecured business loan portfolios, identifying emerging risks, trends, and opportunities for portfolio optimization.
• Lead in the development and implementation of risk mitigation strategies and action plans to address identified risks, such as delinquency, default, and fraud, while supporting business growth objectives.
• Collaborate with cross-functional teams, including Business Development, Product Management, Operations, and Collections, to integrate risk considerations into product development, customer acquisition, and portfolio management processes.
• Manage preparing regular risk reports and updates to senior management and relevant committees, contributing to highlighting key risk metrics, portfolio trends, and the effectiveness of risk management strategies.

Experience Required:

Minimum 10 – 12 years in Risk Policy of BL