JobPurpose

ToactastheZonalRisk ownerforcollateralandtechnicalrisk intheemerging/Affordablesegment byensuringstrongvaluationgovernance,portfolioqualitycontrol,earlydelinquencymanagement, anddisciplinedbusinessenablement,whilemaintainingregulatorycompliance,costefficiency,and vendor performance across the Region or Geography assigned.

KeyResponsibilities:

1. RegionalPortfolioRiskOwnership

· OwnearlydelinquencyperformancefortheRegion,ensuring12MOBdelinquency(60+ bucket)remains within 0.3% or organization-defined thresholds.

· Review andmonitorRedcategory NPAs, including RTM/ ATM/ TMhandling stressed and high-risk cases.

· EnsurevaluationaccuracyandtechnicaldiligencetominimizeLGDinHLandNon-HLportfolios.

2. TechnicalGovernance&Approvals;

· ApproveAPF,CF,andhigh-riskNon-APFcaseswithindelegatedauthority.

· ReviewandapprovefreshCFsitevisitsandtechnicalrecommendations.

· Actasapprovingauthorityfornewfundingareas,newprojects,andstrategicAPFsafterzonal risk assessment.

· Ensureadherencetotechnicalpolicies,frameworks,anddeviationcontrols.

3. BusinessEnablementwithRiskDiscipline





· Drive approved APFgeneration to support business penetration without compromising risk quality.

· Partnerwithbusinessteamstoenablegrowthwhilemaintainingstrongtechnicalunderwriting standards.

· Provide structured feedback to Central teams on market risks, project trends, and emerging risk signals.

4. TAT,FTR&ProcessExcellence;

· EnsuretechnicalTATadherenceacrossTM,ATM,andvendorsforAPFandNon-APFcases.

· Drive First-Time-Right (FTR) performance andminimize rework through quality reviews and corrective actions.

· Analisequeriesatzonallevelandimplementroot-cause-basedqueryreductioninitiatives.

- VendorManagement&CostControl;

· Ownvendorperformancemanagementatzonallevel,including:

o Productivity o Quality o TATadherence

· Ensurevendorcostcontrolinlinewithapprovedcommercialframeworks.

· Supportvendoronboarding,grading,andcorrectiveactionsincoordinationwithCentral Vendor Management teams.

📌 ZTM-JP Nagar (Bengaluru)
🏢 IIFL Home Loans
📍 Bengaluru