JOB DESCRIPTIONJob Purpose
Risk Portfolio management for each of the Co-lending partner.
Culture Anchor:
Have high ambitions - Inspires the team to aim for higher targets and supports in achieving them.
Own It - Acknowledges uncertainty and makes changes in own decisions/actions for better outcomes.

Duties and Responsibilities

The role will manage all Risk related activities of a current Strategic Business Initiative of the Company - "Co-Lending." The role will manage multiple products - Micro Finance, Personal Loans, Housing, Commercial Vehicle, Tractor & Gold Loan.

Co-Lending Portfolio Monitoring
Responsible for Product Program, Existing policy changes and implementation of Policy rules on System.
Responsible for Portfolio Management according to annual operating plans and Risk KPI's.
Responsible for Loan Loss budgeting & AOP delivery on various risk KPIs.
Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes business strategies, market setting or portfolio performance.
Responsible for tracking portfolio performance/TTD Metrics/Approval Rates Data Infrastructure & MIS.
Responsible for setting up Data Infrastructure related to Risk for Co-Lending business.




Responsible for developing and publishing monthly risk reports to Senior Management.
Responsible for Partner wise Monthly Risk deck preparation.

Development & Management of Credit Rule Engine
Developing and managing Rule Engine coding to code Risk Policy rules of each Co-lending partner.
Responsible for getting UAT testing of risk rules coded & sign off.
Understanding any policy rule changes communicated by the External Partners and executing the coding, testing & sign off of the rule changes.
Ensuring that the Rule Engine is working as coded and Error Rate is Nil.
Responsible for Risk Masters maintenance in system.
Alignment of Co-Lending Partners masters with our internal systems.

Required Qualifications and Experience
Practice Emotional Intelligence - Develops the team, supporting them to do more.
Listens to others, stays calm under pressure, and treats everyone with respect.

Locations

BASIC SECTION
Job Level: GB02
Job Title: Assistant Manager - BFSD Loans
B2C PLCS, B2C PLCS, Sales
Job Location Country: India
State: MAHARASHTRA
Region: West
City: Mumbai
Location Name: Mumbai - Thane
Tier: Megapolis

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