- Lead Risk and Policy for Cross Sell

- Maintain credit quality of the portfolio ensuring Credit Loss and credit cost is within projected levels.

- Design/develop/review policies, new programs, processes, products from risk management perspective, in line with best industry practice & business chance.

- Lead, innovate & release amendments in the policies and programs with an optimal mix of underwriting concepts and use of data science tools like: - risk score cards, statistical models to help Business have competitive edge in the market and mitigate Risk for varying portfolios.

- Rule engine based automated models and approval process to improve customer on-boarding experience, Underwriting checks, pre-qualification frameworks

- Actively engage and collaborate with internal stakeholders to improve sourcing funnel, underwriting models & rules and risk tracking. Primary ownership of attending and driving steering committees.

- Lead execution of projects ranging from model assessments, enrolment, formulating policies and processes, define success metrics and loss forecasting models.

- Meet vendors/partners and service providers on regular basis to identify and explore opportunities on their platform & channels and run tests using new data sources

- Drive and monitor the loans portfolio on daily/weekly/monthly basis to maintain risk metrics at desired levels by continuously analysing, identifying,



and eliminating the high- risk segment from portfolio.Recommend corrective actions for maintaining a healthy portfolio and lower loss rates.

- Define various metrics & tracking’s for assessment of the through the door quality, approvals and performance

- Lead execution, tracking & change management ranging from new programs/policies, formulating policies and processes, define success metrics and loss forecasting.

- Drive deep analytics & monitoring of the portfolio & take proactive measures to improve portfolio health & enable business growth.

- Ensure adherence to RBI norms, internal audit findings, and compliance standards.

- Help prepare risk tracking’s for senior management and regulatory bodies.

- Lead internal and external audits, hind sighting related to policies, processes & underwriting

- Collaborate with Partners, Collections & business stakeholders for problem solving

- Work with internal analytics, products teams to identify opportunities & sharpen risk outcome & business growth

- Work closely with tech, fraud, collections, compliance teams to drive improvements and contain risk/fraud.

- Anticipate impact on business when driving decisions to balance risk/reward without compromising portfolio quality levels.

Job Snapshot

Updated Date

06-07-2026

Job ID

JOB_2220

Department

CRO Unit

Location

Gurgaon, Gurgaon, Haryana, India

Experience

10 - 15 Years

Employee Type

Permanent

Employee Sub Type

Confirmed

📌 Lead - Risk & Policy - Cross Sell & Data Capabilities (India)
🏢 Hero FinCorp
📍 India