Lead risk and policy for TW and Electric TW portfolios.
Draft and design underwriting policies, scorecard-based decision frameworks and exposure norms.
Define portfolio risk appetite and monitor policy effectiveness.
Drive approval, LTV and eligibility strategies.
Build and implement new risk programs with OEMs, dealers and channel partners.
Monitor portfolio performance and recommend risk actions.
Use bureau, banking, alternate data and analytics models for policy optimization.
Lead policy governance and exception management.
Partner with Product, Business, Collections and Analytics teams.
Drive new initiatives across EV financing ecosystem.
Present portfolio reviews and risk recommendations to senior management.
Ensure adherence to RBI guidelines and internal governance standards.
Lead internal and external audits, regulatory reviews and policy controls.
Education: MBA/CA/Masters
Work Experience: 10-15 years of experience in TW, EV, Retail Lending, Credit Cards or Consumer Lending
Technical Skills:
Strong analytical skills coupled with valuable understanding of Credit risk management, scorecards.
Domain understanding of wheels lending on credit policy, Risk strategy, Bureau and alternate Data, Portfolio Analytics.
📌 Lead - Risk & Policy - Two Wheeler (Gurugram)
🏢 Hero FinCorp
📍 Gurugram
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