Job Description

Key Responsibilities:

• Setting up portfolio performance triggers, analyze regular MIS to help in tracking unsecured products' portfolio performance, proactive identification of risk issues and suggest the relevant policy revisions.
• Identify digitalization opportunities and enhance credit decisioning automation to achieve the bank-wide aspiration of digitalization. Provide technical feedback on Business Requirement Document (BRD), schedule and coordinate for the UAT and system changes implementation
• Revise, update & timely renew Product Development Document (PDD) and Operating Credit Policies (OCP). Raise memo for policy revisions, prepare and conduct presentations
• Provide support and serve as liaison with internal audit and external regulator regarding lending and credit risk management requirements and ascertain requisite controls are in place resulting in satisfactory Audit reports (both external and internal).
• Arrange training sessions to internal customers to ensure adherence to documented policies. Provide feedback and clarifications as and when required in terms of ambiguity in policy or its interpretation
• Assess TML enlistment proposals of new, existing group companies & government/semi government entities. Prepare analytical assessment using internal & external data, field visit reports, media, market feedback with peer contacts, or through web research
• Participate in meetings with the Head of Unsecured Policy with working groups to implement and review the bank strategy from time to time to ensure vision and objective of the organization are met.
• Work in collaboration with cross-functional teams like Business, Sales, Branches, Product, IT, Operations, Collections, Compliance, Fraud, Service Quality etc., to deliver with excellence.
• Setting up portfolio performance triggers, analyze regular MIS to help in tracking unsecured products' portfolio performance, proactive identification of risk issues and suggest the relevant policy revisions.
• Identify digitalization opportunities and enhance credit decisioning automation to achieve the bank-wide aspiration of digitalization. Provide technical feedback on Business Requirement Document (BRD), schedule and coordinate for the UAT and system changes implementation
• Revise, update & timely renew Product Development Document (PDD) and Operating Credit Policies (OCP). Raise memo for policy revisions, prepare and conduct presentations
• Provide support and serve as liaison with internal audit and external regulator regarding lending and credit risk management requirements and ascertain requisite controls are in place resulting in satisfactory Audit reports (both external and internal).
• Arrange training sessions to internal customers to ensure adherence to documented policies. Provide feedback and clarifications as and when required in terms of ambiguity in policy or its interpretation
• Assess TML enlistment proposals of new, existing group companies & government/semi government entities. Prepare analytical assessment using internal & external data, field visit reports, media, market feedback with peer contacts, or through web research
• Participate in meetings with the Head of Unsecured Policy with working groups to implement and review the bank strategy from time to time to ensure vision and objective of the organization are met.
• Work in collaboration with cross-functional teams like Business, Sales, Branches, Product, IT, Operations, Collections, Compliance, Fraud, Service Quality etc., to deliver with excellence.

Competencies/Skills
Work Experience
Minimum 6 years of working experience in consumer credit policy & portfolio management for unsecured products especially in SME sector