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, new programs, processes, products from risk management perspective, in line with best industry practice & business prospect.
- 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 nor

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