Job Description Risk Manager, Mortgages Band : M5/M6 Job Purpose: To manage credit risk across the mortgage portfolio by ensuring robust underwriting, portfolio analytics, early warning detection, and policy compliance. The role involved risk evaluation of mortgage proposals, driving risk-adjusted growth, and supporting regulatory and internal audits. Key Responsibilities: • The role requires to process, implement and develop risk strategies for mortgage business (Home Loan / LAP) • Operate and maintain an effective risk management system by creating a robust risk framework which includes risk identification, assessment, mitigation, tracking and reporting • Evaluate product/programs/policies in line with regulatory guidelines and build robust risk controls across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation, etc.)



• Assessment of scorecards and formulation of policies/ strategies basis scorecard • Ensure credit policies align with business strategy and RBI regulatory norms. • Conduct regular monitoring of portfolio KPIs: bounce rates, delinquency trends, and EWS. • Build and monitor EWS dashboards to detect stress in mortgage portfolio. • Use statistical tools (Excel, SQL, SAS, Python) for deep-dive analytics where needed. Job Requirements: • CA / MBA / Postgraduate in Banking or Finance • 8-10 years of experience of managing mortgage portfolio in Banks/NBFCs/HFCs • Experience in Legal/ Technical evaluation is an added advantage. • Experience in implementing scorecard models in policy and credit decisioning process. • Experience in implementing BRE and rule-based underwriting and enabling automation of credit checks. Role & responsibilities

📌 Credit Risk Manager Mortgages (Mumbai)
🏢 Acura solutions
📍 Mumbai