Role Description:

To undertake key tasks pertaining to end-to-end Risk Management for the LAP LOB, including working closely with all stakeholders like sales, credit, operations, compliance, finance, etc.

Key Responsibilities:
- Responsible for overall performance of the LAP portfolio, balancing growth with risk discipline
- Bouncing and delinquency management and ensuring Credit Cost for the product remain within budgeted numbers and are best in the industry
- Portfolio Monitoring Asset Quality Management, including collateral quality and risk concentrations
- Preparation of Risk Decks and presenting the same to Senior Management
- Identifying business opportunities for risk-calibrated growth using historical portfolio trends and off-us data
- Formalizing sectoral risk appetite, understanding segment behavior and monitoring portfolio + new business inflow against the same
- Ensuring cross-functional collaboration across functions to build a robust and predictable book, including closely working with Sales, Credit, Legal, Technical, Collections, Litigation teams




- Carrying product and policy knowledge and being updated on industry level developments in the product, competition benchmarking and bringing that intelligence into our policies and processes
- Monitoring credit processes for ensuring strong verification processes eligibility assessment methods
- Providing policy support to ensuring end-to-end automated/digital lending processes in the LOB
- Evaluating various partnerships, direct assignment and securitization transactions, including providing policy risk related inputs and undertaking risk assessments as well as monitoring such portfolios
- Post disbursal monitoring including security documents, PDDs, ROC charge, CERSAI
- Ensuring compliance to regulatory guidelines and monitoring the same
- Hindsighting LAP loans, from credit/legal/collateral point of view to ensure compliance to laid down policies and processes
- Periodic revaluation of collaterals to

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