Role – Collateral Risk Management & Policy for Securitization & Co-lending
Job Responsibilities
- Monitor, analyze, and provide portfolio insights on collateral risks across Retail Assets businesses including Mortgages, Bharat Enterprises, Small Business Banking (SBB), Co-lending, and Retail Construction Finance
- Establish and monitor early warning indicators for collateral-related risks and drive timely corrective and preventive actions to mitigate emerging vulnerabilities
- Identify portfolio-level trends, and adverse market developments from Collateral Risk Standpoint
- Undertake market visits across geographies to develop on-ground understanding of collateral asks and market trends including identifying risks
- Formulate and strengthen collateral risk policies and frameworks, including development of current norms, enhancement of existing guidelines, and support for business-led initiatives requiring policy enablement.
- Lead the development and implementation of data-driven and technology-enabled risk assessment tools, models,



and analytics frameworks for predictive identification of collateral risks.
- Participate and provide independent collateral risk perspectives for proposals presented before sanctioning and credit committees, including SMC, COCC, and other relevant forums.
- Evaluate Co-lending, Direct Assignment (DA), Pass Through Certificate (PTC), Inter-Bank Participation Certificate (IBPC), and Securitization opportunities through independent assessment of underlying collateral quality, transaction structures, risk-return dynamics, and investment attractiveness.
- Monitor performance of purchased and originated portfolios by tracking asset quality trends, delinquency indicators, collection performance, and emerging stress signals, ensuring timely risk escalation and mitigation.
- Conduct onboarding due diligence, risk assessment, exposure recommendation, limit setting, and ongoing monitoring of co-lending partners, originators, NBFCs, HFCs, and other cou

📌 Risk:Head - Collateral Risk, Securitization & Co-lending Policy (Mumbai)
🏢 Axis Bank
📍 Mumbai