Job Description:

Role/ Job Title: Risk Lead - Unsecured (JLG & RPL)

Function/ Department: Retail Risk

Job Purpose:

Policy/ Product & scheme development. Portfolio monitoring (including Risk Analytics)

Roles & Responsibilities:
Leading Rural Risk team for review and monitoring of Core Rural Products encompassing below activities
Setting up of regular monitoring process for key portfolio indicators viz, Nonstarters, Early delinquency, Gross delinquency, lagged delinquency, Vintage, Flow rates, Collaterals, PDD’s, Bureau scrubs, End use monitor.
Current Product development and modifications to existing product norms as per business requirements.
Development of system controls to ensure policy and process adherence. Automation to the possible extent.
Competition benchmarking through Networking, Bureau analysis, Industry reports.
Ensure adherence to regulatory guidelines for PSL funding.
Support customer retention strategy by leveraging analytical tools for Cross selling.
Support product profitability through rationalization of Process,



Automation of credit decisions, Risk based lending rates, adherence to NCL targets
'Monitor and ensure adherence of the business arrangements like credit costs, regulatory requirements etc
Portfolio monitoring (including Risk Analytics)
Tracking portfolio behaviour & forecasting trends.
Using risk management tools to analyze the portfolio.
Ensure adherence to triggers / controls as specified.
Monitor and report the portfolio under management to senior management – MD/ CFO/ Board/ Various committees/ Risk Reviews.
Monitoring portfolios mix and recommending changes in the portfolio focus.
Policy/ Product & scheme development
Development of policies & amendments according to the changing business setting & business goals.
Scheme formulation at regular intervals based on portfolio behaviour, industry trends & market dynamics.
Ensure that the objective of maximizing business while optimizing risk is a

📌 Risk Lead Mumbai
🏢 Acura Solution
📍 Mumbai