Key Responsibilities

- Lead risk and policy for TW and Electric TW portfolios.
- Draft and design underwriting policies, scorecard-based decision frameworks and exposure norms.
- Define portfolio risk appetite and monitor policy effectiveness.
- Drive approval, LTV and eligibility strategies.
- Build and implement new risk programs with OEMs, dealers and channel partners.
- Monitor portfolio performance and recommend risk actions.
- Use bureau, banking, alternate data and analytics models for policy optimization.
- Lead policy governance and exception management.
- Partner with Product, Business, Collections and Analytics teams.
- Drive new initiatives across EV financing ecosystem.
- Present portfolio reviews and risk recommendations to senior management.




- Ensure adherence to RBI guidelines and internal governance standards.
- Lead internal and external audits, regulatory reviews and policy controls.

Education: MBA/CA/Masters Work Experience: 10-15 years of experience in TW, EV, Retail Lending, Credit Cards or Consumer Lending

Technical Skills:

Strong analytical skills coupled with valuable understanding of Credit risk management, scorecards.

Domain understanding of wheels lending on credit policy, Risk strategy, Bureau and alternate Data, Portfolio Analytics.

📌 Lead - Risk & Policy - Two Wheeler (Gurugram)
🏢 Hero FinCorp
📍 Gurugram