- Responsible for overall performance of the LAP portfolio, balancing growth with risk discipline
- Bouncing and delinquency management and ensuring Credit Cost for the product remain within budgeted numbers and are best in the industry
- Portfolio Monitoring & Asset Quality Management, including collateral quality and risk concentrations
- Preparation of Risk Decks and presenting the same to Senior Management
- Identifying business opportunities for risk-calibrated growth using historical portfolio trends and off-us data
- Formalizing sectoral risk appetite, understanding segment behavior and monitoring portfolio + current business inflow against the same
- Ensuring cross-functional collaboration across functions to build a robust and predictable book, including closely working with Sales, Credit, Legal, Technical, Collections, Litigation teams
- Carrying product and policy knowledge and being updated on industry level developments in the product, competition benchmarking and bringing that intelligence into our policies and processes




- Monitoring credit processes for ensuring robust verification processes & eligibility assessment methods
- Providing policy support to ensuring end-to-end automated/digital lending processes in the LOB
- Evaluating various partnerships, direct assignment and securitization transactions, including providing policy & risk related inputs and undertaking risk assessments as well as monitoring such portfolios
- Post disbursal monitoring including security documents, PDDs, ROC charge, CERSAI
- Ensuring compliance to regulatory guidelines and monitoring the same
- Hindsighting LAP loans, from credit/legal/collateral point of view to ensure compliance to laid down policies and processes
- Periodic revaluation of collaterals to assess security covers
- Managing the end-to-end Asset Held for Sale (AHS) process including security, maintenance, auction etc.
- Lead internal and external audits

Anticipate impact on business when driving decisions to balance risk/reward without compromising portfolio quality levels.

📌 Lead- Credit Approver (Gurugram)
🏢 SkillLabs
📍 Gurugram