Job Description

Job Category: KMBL
Degree Level: Bachelor's Degree
:
To manage pre-approved waterfall on policy parameters and validation of WF as shared by BIU
Responsibilities:
The role requires to process, implement and develop risk strategies for Consumer business

• 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 strong 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.
• Support ICAAP, IRB and stress testing documentation as needed.

Qualifications:
? Strong understanding of unsecured lending products like Credit Card, Personal Loans and Line of credit
? Prior experience in managing risk activities in retail lending and portfolio is essential
? Should have knowledge of process and risk policy framing.
? Should have relevant working knowledge of banking systems, digital journeys, Fiserv systems etc.
? Should be able to manage conflicting opinions. Should be able to interact cross function and bring the buying of all stakeholders.
? Ability to engage with senior stakeholders at a level of Product head/Portfolio head, Unsecured head or similar.

Skills Required