Role & responsibilities

Policy Development & Governance:

- Develop, update, and implement risk policies across credit, operational risk.

- Ensure policies remain aligned with regulatory guidelines, internal risk appetite, and industry best practices. -Draft comprehensive policy documents, SOPs, and governance frameworks.

-Defining early risk thresholds.
- Conduct periodic policy reviews and recommend enhancements.

Risk Assessment & Monitoring:

- Owned loss numbers and collaborate with credit and collections to deliver the numbers.

- Evaluate endtoend processes and identify policyrelated risk exposures or gaps.
- Conduct thematic reviews and control assessments.
- Monitor early warning indicators and exceptions.

- Support development of risk monitoring dashboards.

Regulatory Compliance:





- Interpret relevant regulatory guidelines and ensure integration into policies.

- Liaise with compliance, audit, and business units.

Stakeholder Collaboration:

- Partner with business teams, credit, operations, compliance, audit, legal, and technology.

- Provide risk advisory support.
- Conduct workshops and training sessions.

Portfolio Monitoring:

- Analyze portfolio quality, loss events, and control breaches.

- Prepare risk assessment reports and presentations.

Governance & Audit Support:

- Facilitate internal and external audits.
- Document audit responses and ensure closure of findings.

📌 Policy Risk Manager (Mumbai)
🏢 Kotak Mahindra Bank
📍 Mumbai