Monitor portfolio delinquencies at micro level, identification of segments, locations, channels, profiles and proposing policies/ strategies to enable business and control risk
Proficient in coding and working experience in creating risk monitoring dashboards like vintage charts, KPIs, business trends, etc.
Managing portfolio with data driven insights using Demog and Bureau data and recommend necessary alteration in policy when required
Experience on creating features using bureau/demog/banking variables and creating insights
Handled cross functional projects to develop current product/program
Knowledge about policy framework pertaining to personal loan product/Unsecured product
Monitoring loss in the business in different segments and highlight the reason for breach in threshold if any.
Automating crucial reports, testing and verifying the correctness of the same.

Management responsibilities:
Co-ordinating & working with partner stakeholder for risk and policy related data and recommendations
Manage end to end projects including project scoping/approach, timeline setting and stakeholder alignment/approvals and expectation management




Own and deliver workstreams required for the business to be well managed” – these include driving portfolio reviews with stakeholders, closure of compliance related items, facilitating MIS stack for portfolio monitoring etc.
Guide a team of risk analyst/(s) to drive work outcomes on specific projects/well managed workstreams

Job Requirements:
Minimum 6 years of experience in similar personal loan policy related role
Experience on risk/data analytics field within Indian lending ecosystem is preferable
Proficiency in SAS/Python/DEX for risk management and policy implementation. Ability to debug, troubleshoot and resolve issues related to risk and policy.
Use analytical skill to identify root causes of problem and recommend effective solution.
Should have positive knowledge of understanding of Bureau data.
Experience in creating features and running decision tree/cluster analysis to identify segments will be an added advantage.
Valuable problem solving skills and clear communicator.

Education qualification:
Btech or Grad/Post Grad in statistics
Certification in coding languages like SAS/SQL/Python

📌 Policy Risk Manager Personal Loans Mumbai
🏢 Kotak Mahindra Bank
📍 Mumbai