Responsible for overall performance of the LAP portfolio, balancing growth with risk discipline
Bouncing and delinquency management and ensuring Credit Cost for the product remain within budgeted numbers and are best in the industry
Portfolio Monitoring & Asset Quality Management, including collateral quality and risk concentrations
Preparation of Risk Decks and presenting the same to Senior Management
Identifying business opportunities for risk-calibrated growth using historical portfolio trends and off-us data
Formalizing sectoral risk appetite, understanding segment behavior and monitoring portfolio + recent business inflow against the same
Ensuring cross-functional collaboration across functions to build a strong and predictable book, including closely working with Sales, Credit, Legal, Technical, Collections, Litigation teams
Carrying product and policy knowledge and being updated on industry level developments in the product, competition benchmarking and bringing that intelligence into our policies and processes
Providing policy support to ensuring end-to-end automated/digital lending processes in the LOB
Evaluating various partnerships, direct assignment and securitization transactions, including providing policy & risk related inputs and undertaking risk assessments as well as monitoring such portfolios
Post disbursal monitoring including security documents, PDDs, ROC charge, CERSAI Ensuring compliance to regulatory guidelines and monitoring the same Hindsighting LAP loans, from credit/legal/collateral point of view to ensure compliance to laid down policies and processes
Periodic revaluation of collaterals to assess security covers
Managing the end-to-end Asset Held for Sale (AHS) process including security, maintenance, auction etc.
Lead internal and external audits Anticipate impact on business when driving decisions to balance risk/reward without compromising portfolio quality levels.