Role & responsibilities

- The role requires to process, implement and develop risk strategies for personal loan business

- Operate and maintain an effective risk management system by creating a robust risk framework which includes risk identification, assessment, mitigation, tracking and reporting

- Management of portfolio risk to maintain the overall losses in the business

- Monitor portfolio delinquencies at micro level, identification of segments, locations, channels, profiles and proposing policies/ strategies to enable business and control risk

- Evaluate product/programs/policies in line with regulatory guidelines and build robust risk controls across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation, etc.)

- Assessment of scorecards and formulation of policies/ strategies basis scorecard

- Implementation of technological interventions like scorecard, digital journey and automations

- Using analytics to track various risk KPIs against the defined risk appetites

- Recommend improvement to processes and policies to drive operational efficiencies

📌 Policy Manager (Personal Loans) (Mumbai)
🏢 Kotak Mahindra Bank
📍 Mumbai