- Own Board approved Credit policy for Unsecured loans ( Prime & Micro) & Strategic Partnerships
- Initiate and align policy changes in line with RBI guidelines
- Oversee and ensure annual review , consolidation & board approval of all policy documents for Unsecured portfolio and monitor portfolio level guardrails
- Ensure policy version control , documentation and audit traceability
- Own and oversee BRE policy automation and maintenance including deployment accuracy, validation and monitoring.
- Monitor Risk appetite framework for Unsecured portfolio in line with Enterprise risk strategy
- Portfolio review and monitoring monitor key trends across budgeted numbers , delinquency KPIs , portfolio level loss and vintage targets
- Design new program/product policy in collaboration with product and business teams with clearly defined No-go cut-offs,



portfolio/program trigger guardrails
- Build exceptions/deviations grid and monitor trends and performance
- Conduct rigorous policy training sessions to ensure policy alignment across sourcing / credit teams
- Monitor PAR trends and initiate corrective action plan as warranted
- Monitor rule-based , scorecard based underwriting framework and trends
- Build and strengthen STP strategy , cross-sell chance
- Monitor change impact ( Policy /Scorecard/Automation) on balance growth , customer TAT & portfolio quality
- Initiate policy or strategy decisions basis emerging risks

Design & Suggest stress scenarios for Unsecured portfolio basis market dynamics

📌 Policy Processing Officer (Mumbai)
🏢 Axis Finance (AFL)
📍 Mumbai