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 solid 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.
Robust 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.

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