- Own Board approved Credit policy for Secured loans in line with RBI guidelines
- Oversee and ensure annual review , consolidation & board approval of all policy documents for Secured portfolio & Monitor portfolio level guardrails
- Ensure policy version control , documentation and audit traceability
- Own and oversee BRE policy automation and maintenance including deployment accuracy, validation and monitoring.
- Portfolio review and monitoring – monitor key trends across budgeted numbers , delinquency KPIs , portfolio level loss and vintage targets
- Design recent program/product policy in collaboration with product and business teams with clearly defined No-go cut-offs, portfolio/program trigger guardrails
- Build exceptions/deviations grid and monitor trends and performance
- Conduct rigorous policy training sessions to ensure policy alignment across sourcing / credit teams
- Monitor PAR trends and initiate corrective action plan as warranted
- Monitor change impact ( Policy /Scorecard/Automation) on balance growth , customer TAT & portfolio quality
- Initiate policy or strategy decisions basis emerging risks
- Design & suggest stress scenarios for Secured portfolio basis market dynamics
- Closely monitor PDD framework and initiate corrective action as warranted
- Strengthen Location wise Collateral policy in collaboration with Product and Business team