Exp: 7 – 9 years
Formulation & writing of Risk policy, identifying new digital risk management solutions, monitoring portfolio health & loss rates within budget through preparation of regular MIS for Salaried Personal Loan & Salaried Home Loan.
Duties and Responsibilities
o Responsible for risk & credit policy creation and adherence for NSB
o Creating Integrated risk frameworks for NSB partnerships
o Presenting & approval of risk frameworks
o Responsible for identifying unique new age digital credit risk solutions relevant to the customer segment which aid in better risk management in
a paperless, non-intrusive and instant manner.
o Assessing different data from vendors to understand various capabilities that can be used for customer assessment
o Support business by designing relevant Challenger programs to test new segments and monitor its performance.
o Find business opportunities in existing / prospect data
o Pro-active portfolio management to prevent delinquency
o Monthly Risk Decks & publishing risk related reports to stakeholders.
Weekly / Monthly MIS and deck preparation.
o Monitoring portfolio health & loss rates through regular MIS.
o Regular monitoring and reporting of Risk KPIs like Bounce Rate, Early delinquency for the portfolio
o Work closely with Analytics and use analytics for monitoring portfolio quality and suggest amendments to policy.
Policy execution and fraud management:
o Cross functional builds related to system ( e.g. underwriting system )
o Responsible for ensuring the policy rules automated in system are working as required.
o Responsible for minimizing Fraud risks by constantly evaluating process gaps and improvising risk policy.
Support business in achieving Annual Operating Plan numbers
Team Management & Training new team members
Experience and competencies
Good knowledge of digital eco system
Experience of working on risk & fraud initiatives with respect to financial transactions in the digital world
Should be professionally qualified from a reputed Institute
Good analytical ability and eye for detail.
Ability to work with large data sets with good computing skills
Fast and Agile
Can maintain high energy for extended periods of time. Moves fast when required.
Ability to engage and listen to external partners
Highest level of integrity in all business practices
Good analytical ability.
Excellent communication skills and presentation skills