- Evaluate Product programs/Policies in line with regulatory guidelines and build robust controls to mitigate risks across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation etc.).
- Monitor portfolio delinquencies at a micro level, identification of segments, locations and profiles which are delinquent.
- Assure adherence to the guidelines set by the bank.
- Facilitate implementation of technological interventions like scorecards, digital journeys, and automation to streamline processes.
- Shape the risk appetite of the product in line with growth objectives and Risk Appetite framework of the bank alongside risk-based pricing.
- Use analytics for tracking portfolio performance trends.
- Serve as a policy expert and conduct training when needed.
- Prepare monthly newsletter - snapshot of Portfolio performance, monthly acquisition trend, quality of portfolio and trigger monitoring.
- Capture and share best- practice knowledge amongst the team.
- Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service.
- Leverage in-house synergies through collaboration with internal stakeholders.
- Keep abreast of 4global market trends and competitor strategies in key markets.
- Monitor key parameters on productivity, hiring quality and costs via maintaining relevant scorecards.
- Build, groom, and retain top-class talent pool to enable high levels of process efficiencies.
- Attract and retain best-in-class talent for key roles in their reporting structure
Education Qualification:
Graduation: Bachelor of Science (B.Sc) / Bachelor of Technology (B.Tech) / Bachelor of Computer Applications (BCA) / Bachelor of Commerce(B.Com) / Bachelor of Business Administration(BBA)