ZTM-JP Nagar

IIFL Home Loans; Bengaluru; On-site; INR 1,500,000 - 2,200,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. seeks a Zonal Risk Owner responsible for collateral and technical risk governance across the region. You will ensure regulatory compliance, maintain portfolio quality, and drive cost efficiency while supervising vendor performance.

The role focuses on early delinquency management, risk assessment, and disciplined business enablement, with delegated authority to approve funding areas after zonal risk assessment.

Responsibilities

• Owns early delinquency performance for the Region, ensuring 12M OB delinquency (60+ bucket) remains within 0.3% or organization-defined thresholds.
• Review and monitor Red category NPAs, including RTM/ATM/TM handling stressed and high-risk cases.

Job description

Regular

Job Description

Job Purpose

ToactastheZonalRisk ownerforcollateralandtechnicalrisk intheemerging/Affordablesegment byensuringstrongvaluationgovernance,portfolioqualitycontrol,earlydelinquencymanagement, anddisciplinedbusinessenablement,whilemaintainingregulatorycompliance,costefficiency,and vendor performance across the Regionor Geography assigned.

Key Responsibilities:

• OwnearlydelinquencyperformancefortheRegion,ensuring12MOBdelinquency(60+ bucket)remains within 0.3% or organization-defined thresholds.
• ReviewandmonitorRedcategory NPAs,including RTM/ ATM/ TMhandlingstressed and high-risk cases.

2. TechnicalGovernance& Approvals

• ApproveAPF,CF,andhigh-riskNon-APFcaseswithindelegated authority.
• ReviewandapprovefreshCFsitevisitsandtechnical recommendations.
• Actasapprovingauthorityfornewfundingareas,newprojects,andstrategicAPFsafterzonal risk assessment.
• Ensureadherencetotechnicalpolicies,frameworks,anddeviation controls.

3. BusinessEnablementwithRisk Discipline

• Driveapproved APFgeneration to supportbusiness penetration without compromising risk quality.
• Providestructured feedback to Central teams on market risks, project trends, andemerging risk signals.
• EnsuretechnicalTATadherenceacrossTM,ATM,andvendorsforAPFandNon-APF cases.
• DriveFirst-Time-Right (FTR) performance andminimizerework through quality reviews and corrective actions.
• Productivity
• Quality
• TAT adherence
• Ensurevendorcostcontrolinlinewithapprovedcommercial frameworks.
• Supportvendoronboarding,grading,andcorrectiveactionsincoordinationwithCentralVendor Management teams.

Job Snapshot

Updated Date

07-10-2026

Job ID

Job8096

Department

Location