Job highlights
Travelling across locations for understanding the local policy and product requirement,process
The role holder is responsible for Credit risk management of Home loans. Job profiles include portfolio risk management, assessment of Business risk, Product risk, Industry risk, Profitability assessment of specific segments and due diligence of credit processes. Job holder is responsible for ensuring the growth of portfolio in right direction within the Risk appetite of the HFC
The role holder interacts and coordinates with all the control functions and respective stakeholders of the HFC like Credit Risk/ Business/ Audit/ Analytics /Product/ Operations/Technology for effective and productive delivery and controls of project and process within specific timeliness.

Strategic/ Managerial Responsibilities
Credit Risk Management of Home loans and LAP portfolio
Simplification of processes through automation and digitization projects
Strengthening Systems, Controls & Processes for robust compliance
Superior & Consistent Customer Service

Core Responsibilities
Formulation of Credit policy within regulatory parameters and risk appetite of the HFC




Ensure Implementation and adherence of Credit Policy through training of credit and operations team on the policy parameters and consistent guidance on the clarifications on product and policy parameters
Prepare monthly management deck; snapshot of Portfolio performance, monthly acquisition trend, quality of portfolio and trigger monitoring
Identify areas of improvement in existing processes of credit underwriting, risk management and operations and its implementation.
Responsible for monitoring quality of the portfolio by monitoring infant delinquencies, NPAs and stress accounts
Travelling across locations for understanding the local policy and product requirement, process reviews and imparting training
Risk Control Self-Assessment (RCSA) reporting to Operational Research function
User Acceptance Test (UAT) of systems and its implementation in production setting
Delegation of authority and monitoring of overdue
Support system changes to improve quality of data and ease of process

📌 Policy Manager Mumbai
🏢 Acme Services
📍 Mumbai