Role:Sr. Skilled - Risk & Policy (Two-Wheeler/ EV Lending) - Team handling

Location: Gurugram, Haryana

Department: CRO Unit

Reporting To:Business Head – Risk & Policy

Role Overview: Lead the end-to-end Credit Risk and Policy function for Two-Wheeler and Electric Two-Wheeler lending portfolios, driving underwriting strategies, portfolio quality, risk mitigation, and policy optimization.

Key Responsibilities:

- Own and manage the end-to-end Risk & Policy framework for Two-Wheeler and Electric Two-Wheeler lending.
- Design and refine underwriting policies, eligibility criteria, exposure norms, risk appetite, and approval strategies.
- Conduct portfolio analysis and root cause assessments to identify risk drivers and recommend policy interventions.
- Drive policy changes from assessment and stakeholder alignment through implementation and performance monitoring.
- Develop approval, LTV, customer segmentation, and credit eligibility strategies.
- Leverage bureau data, banking data, alternative data, scorecards, and portfolio analytics for risk assessment and policy optimization.
- Develop risk programs in collaboration with OEMs, dealers, and channel partners.
- Partner with Business, Product, Technology, Operations, Collections,



and Analytics teams on risk-related initiatives.
- Drive policy governance, exception management, and periodic portfolio reviews.
- Present portfolio performance, risk trends, and recommendations to senior management.
- Lead risk initiatives across EV financing and emerging lending models.
- Ensure compliance with regulatory requirements and internal risk governance standards.

Required Skills & Experience:

- 10–17 years of experience in Retail Lending, Consumer Finance, Vehicle Finance, Credit Risk, or Policy.
- Direct experience in Two-Wheeler, Auto, or EV lending preferred.
- Candidates from adjacent retail lending products with strong credit policy and portfolio analytics experience may also be considered.
- Strong understanding of credit risk management, underwriting, scorecards, bureau and alternative data, and portfolio analytics.
- Experience in risk strategy, policy design, portfolio monitoring, and risk mitigation.
- Strong analytical, leadership, communication, and presentation skills.
- Ability to lead and develop Risk & Policy teams and drive independent decision-making.

Qualification: MBA / CA / Master's degree.

📌 Sr. Professional - Risk & Policy - 2W/EV (BFSI) (Gurugram)
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