Job Description:
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.
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.
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.




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.
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.
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