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
Solid und

📌 Vp Portfolio Credit Risk Mortgage Mumbai (India)
🏢 Antal International
📍 India