Role Summary The Business Loan – Unsecured Policy Manager is responsible for developing, implementing, and governing policies for unsecured business lending products. The role ensures the unsecured lending portfolio adheres to the institution’s risk appetite, complies with regulatory requirements, and supports sustainable portfolio growth. The position requires strong expertise in unsecured lending, risk assessment, regulatory compliance, and credit policy formulation.

SECTION IV: KEY RESPONSIBILITIES & KPIS OF THE ROLE These responsibilities are representative, and the role holder is also responsible for any other job assigned by the superior authorities from time to time. This section in not intended to be an exhaustive listing of all activities done by the role holder. It should capture only the key responsibilities of the role.

Responsibilities and Strategy and Planning

- Develop and implement the unsecured lending risk framework, ensuring alignment with business strategy and regulatory expectations.
- Conduct portfolio reviews, risk assessments, and stress tests to identify vulnerabilities and recommend strategic actions
- Portfolio Risk Metrics Stability – Maintain delinquency, charge‑off, and fraud rates within approved risk appetite thresholds.
- Timeliness of Risk Reviews – Complete portfolio reviews, risk assessments, and stress‑testing cycles as per defined frequency (monthly/quarterly).




- Strategic Policy Alignment – % of policies aligned with revised regulatory or business strategy updates within defined SLAs.

Policies, Processes & Procedures

- Create, review, and maintain policies for unsecured lending products in line with RBI, KYC/AML, and digital lending norms.
- Establish processes for policy exceptions, approvals, documentation, and compliance tracking.

Job Specific

- Develop and refine credit scoring models, underwriting standards, and exposure controls for unsecured business loans.
- Monitor KRIs (delinquency, charge‑off, fraud) and initiate mitigation actions.
- Collaborate with cross‑functional teams to ensure policy adherence and accurate portfolio management.
- Act as key contact for regulatory and audit interactions on unsecured lending policies.

People Management Drive team performance through effective leadership, coaching, and people development SECTNETWORK SECTION VI: ROLE PROFILE REQUIREMENTS Education Essential: MBA Preferred: CA, MBA, sound knowledge of technical Experience Essential: 1 Year Preferred: 2+ years Competencies CORE COMPETENCIES

LEADERSHIP/ BEHAVIORAL COMPETENCIES

- Customer and Quality Focus
- Skilled Entrepreneurship
- Drive for Results
- Influence and Impact
- Integrity
- Lead and Develop people
- Enables Change
- Build transparent and inclusive teams

📌 Policy Manager (Mumbai)
🏢 Yes Bank
📍 Mumbai