Job Description
n VP – Portfolio Credit Risk (Mortgage) | Leading Private Sector Bank
nLocation: Mumbai
nFunction: Credit Risk Management – Mortgage/Home Loans Portfolio
n About the Role
nOur client, a leading private sector bank in India, is looking for a Vice President – Portfolio Credit Risk (Mortgage) to own credit risk monitoring, portfolio quality, and early warning management for their mortgage/home loan book. This is a critical role for a qualified who can combine deep credit risk expertise with hands-on portfolio analytics in the mortgage servicing lifecycle.
n Key Responsibilities
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- Own end-to-end portfolio credit risk management for the mortgage/home loans book, including origination quality feedback, vintage analysis, and delinquency trendsn
- Design and monitor Early Warning Signals (EWS) and portfolio triggers across the mortgage servicing lifecyclen
- Track portfolio performance against risk appetite; recommend policy/product interventions based on risk-return trade-offsn
- Partner with Collections, Underwriting,



and Product teams to calibrate credit filters, LTV/FOIR norms, and risk-based pricingn
- Conduct stress testing, scenario analysis, and portfolio stratification (geography, ticket size, LTV, occupation, builder/project category, etc.)n
- Prepare and present portfolio risk MIS/dashboards to senior management, Risk Committee, and Board as requiredn
- Ensure compliance with RBI guidelines on mortgage lending, provisioning norms (ECL/IRAC), and internal risk policiesn
- Lead root-cause analysis on slippages and work with cross-functional teams on corrective action plansn
- Support model validation/monitoring for scorecards, PD/LGD models specific to the mortgage portfolion
- Mentor and manage a team of credit risk analystsn

n Desired Candidate Profile
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- 12–16 years of experience in Credit Risk / Portfolio Risk Management, with significant exposure to mortgage/home loans or secured retail lendingn
- Strong und

📌 VP - Portfolio Credit Risk (Mortgage) (Mumbai)
🏢 Antal International
📍 Mumbai