- Lead Risk and Policy for Cross Sell
- Maintain credit quality of the portfolio ensuring Credit Loss and credit cost is within projected levels.
- Design/develop/review policies, recent programs, processes, products from risk management perspective, in line with best industry practice business opportunity.
- Lead, innovate release amendments in the policies and programs with an optimal mix of underwriting concepts and use of data science tools like risk score cards, statistical models to help Business have competitive edge in the market and mitigate Risk for varying portfolios.
- Rule engine based automated models and approval process to improve customer on-boarding experience, Underwriting checks, pre-qualification frameworks
- Actively engage and collaborate with internal stakeholders to improve sourcing funnel, underwriting models rules and risk tracking. Primary ownership of attending and driving steering committees.
- Lead execution of projects ranging from model assessments, enrolment, formulating policies and processes, define success metrics and loss forecasting models.
- Meet vendors/partners and service providers on regular basis to identify and explore opportunities on their platform channels and run tests using new data sources
- Drive and monitor the loans portfolio on daily/weekly/monthly basis to maintain risk metrics at desired levels by continuously analysing, identifying, and eliminating the high-risk segment from portfolio.



Recommend corrective actions for maintaining a healthy portfolio and lower loss rates.
- Define various metrics tracking's for assessment of the through the door quality, approvals and performance
- Lead execution, tracking change management ranging from new programs/policies, formulating policies and processes, define success metrics and loss forecasting.
- Drive deep analytics monitoring of the portfolio take proactive measures to improve portfolio health enable business growth.
- Ensure adherence to RBI norms, internal audit findings, and compliance standards.
- Help prepare risk tracking's for senior management and regulatory bodies.
- Lead internal and external audits, hind sighting related to policies, processes underwriting
- Collaborate with Partners, Collections business stakeholders for problem solving
- Work with internal analytics, products teams to identify opportunities sharpen risk outcome business growth
- Work closely with tech, fraud, collections, compliance teams to drive improvements and contain risk/fraud.
- Anticipate impact on business when driving decisions to balance risk/reward without compromising portfolio quality levels.

Disclaimer: This job posting & Location has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Lead - Risk & Policy - Cross Sell & Data Capabilities (Gurugram)
🏢 Hero FinCorp
📍 Gurugram