Job Purpose

Lead the Credit Policy and Risk function for Micro LAP Mortgages, driving strategic enhancements in product policies, process improvements, and technology initiatives. Act as a key influencer across departments to ensure robust risk management aligned with business growth.

Key Responsibilities

Credit Policy

- Independently manage and continuously enhance credit policies, balancing business needs with risk appetite.
- Conduct market studies and peer benchmarking to integrate best practices into product policies.
- Provide timely guidance and responses to policy queries to support business decisions and foster a strong risk culture.
- Engage with senior and top management to present policy updates, portfolio insights, and innovative risk strategies.

Stakeholder Collaboration
- Offer ongoing feedback to Business, Analytics, Technology, Operations,



and Credit teams to support product innovation and market responsiveness.
- Disseminate policies effectively through training, knowledge tools, and explicit communication to all relevant stakeholders.

Portfolio Monitoring & Risk Analytics
- Develop and maintain dashboards to monitor key risk indicators and portfolio health.
- Conduct real-time transaction monitoring to ensure policy compliance and uphold risk standards.
- Provide analytical insights to maintain portfolio quality and preempt emerging risks.

Qualifications & Experience

Education: CA / MBA (mandatory)

Experience: 4-5 years in Retail Lending Risk, with strong exposure to Mortgages preferably in Micro LAP, Small-ticket LAP, Affordable LAP. Exposure to Micro CF will be an added advantage.

📌 Lead - Risk Policy (Micro LAP) (Mumbai)
🏢 Godrej Capital
📍 Mumbai