Description
To manage the risk dynamics for the company’s mortgage portfolio by developing proactive mitigation actions.
Manage the risk/reward dynamics for the company’s mortgage portfolio by writing and modifing credit policies, product parameters, processes and related guidelines thus establishing overall lending guidelines
Develop and formulate acquisition/portfolio policies and conduct analysis to fine-tune the acquisition/portfolio management strategies in order to optimize risk and reward trade-off
Closely monitor economic & social environmental factors that would impact to portfolio credit performance and develop proactive mitigation actions
Review/change/modify documentation processes, forms and guidelines for the mortgage profile and ensure all credit processes are in compliance with company policies and requirements set out by the local as well as lead regulator through effective execution of control programs.
Provide functional support on all credit / risk matters to business teams driving proper execution of risk control and portfolio actions.




Manage and monitor portfolio quality, undertaking periodic portfolio and collection reviews for the business and monitor the branches on triggers.
Undertake monthly reviews based on portfolio MIS and manage triggers, taking decisions on portfolio basis the triggers.
Partner with the business team in the identification, market selection and sales zoning from a credit risk perspective.
Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and area
Ensure adherence to policies and processes, correcting procedural flaws; ensure proper documentation; support Branches in troubleshooting field problems and identifying, designing, and implementing improvements. Ensure that the policies/processes are in adherence with legal and compliance framework in force
Enable credit training on

📌 Avp Ss Risk Mumbai Lower Parel Mm (India)
🏢 Tata Capital
📍 India