Formulation of risk policies and compliance to laid down operating notes for LAP & Micro LAP Product. Reviewing the policies on regular basis in line with market dynamics and business requirements.
- Monitoring portfolio triggers & suggesting actions to be taken wherever breached. Use analytics to track early warning measures and suggest corrective actions to maintain portfolio quality.
- Conducting monthly portfolio risk reviews & implementing the learning from portfolio management as policy actions
- Carry out various portfolio analytics (Root Cause Analysis, Deviation analysis, Off Us/On Us analysis, Vintage analysis) in coordination with Data Science team. Creating risk dashboard for the product for fact-based decision making.
- Analyzing Industry in length by Competition benchmarking on a periodic basis and ensuring the dynamism of Industry is being incorporated adequately in the processes and policies.




- Impart trainings to the relevant teams through Digital or classroom mode and conducting regular knowledge tests.
- Working in close co-ordination with various teams from Data Science, IT, Product, Finance, Credit, Operations, etc. for delivering on Risk KRAs
- Working with stakeholders to build internal controls thru system integrations/enhancements.
- Visiting branches/clients/DSAs on periodic basis to understand the risk associated at ground and adherence to processes.
- Usage of Technology esp. when it comes to putting BREs in place, doing the UAT from Risk perspective, ensuring data quality & data integration across various systems being used
- Ensuring on a monthly basis sanity of all offers released by Data Sciences Team and offers are in adherence to laid down norms.
- Analysing delinquent cases periodically and take corrective actions wherever needed.

📌 Product Risk (Mumbai)
🏢 Tata Capital
📍 Mumbai