Job Description:

1. Risk Assessment & Underwriting
- Develop and implement risk assessment models for home loans.
- Analyze borrower profiles, financials, credit scores, and collateral to ensure sound underwriting decisions.
- Review loan proposals and approve/recommend them based on defined credit policies.
- Identify early warning signals for potential loan defaults.

2. Policy & Framework Development
- Design and update home loan risk policies in line with regulatory requirements and market trends.
- Establish risk tolerance limits and ensure adherence to the banks credit risk framework.
- Work closely with product and business teams to balance growth and risk.

3. Portfolio Monitoring & Risk Mitigation
- Monitor the home loan portfolio’s health using risk metrics (NPA trends, delinquency ratios, etc.).
- Conduct stress testing and scenario analysis to assess potential risks.
- Implement risk mitigation strategies for high-risk loans.





4. Regulatory & Compliance Management
- Ensure compliance with RBI guidelines and other relevant banking regulations.
- Support internal and external audits related to credit risk and home loan operations.
- Maintain risk documentation and reporting for regulatory submissions.

5. Technology & Data Analytics
- Leverage data analytics and AI/ML models for better risk prediction.
- Work with IT teams to enhance risk management tools and automation.

6. Team Management & Stakeholder Collaboration
- Lead and mentor a team of risk analysts and officers.
- Collaborate with sales, credit, legal, and operations teams to maintain a balanced risk-reward approach.
- Provide risk insights to senior management for strategic decision-making.

📌 Lead Risk (Mumbai)
🏢 Acura Solution
📍 Mumbai