Job Description

Job Purpose:
The role holder has the responsibility of managing, assessing and monitoring the policy norms., It entails
the responsibility of defining the risk appe?te and broad level policies for the assigned products,
facilita?ng technological requirements and ensuring adherence to the statutory guidelines contribu?ng
to the larger objec?ves of the bank.
Roles & Responsibilities:
? Understanding of retail loan products, especially PL, TW, Used Car, and Commercial Vehicle Loans -
preferred experience in underwri?ng / product management of CV/CE and Auto Loans.
? Facilitate regular asset quality reviews with provision of analy?cs insights to iden?fy risks/
opportuni?es and recommend relevant ac?ons
? Ensure program risk acceptance criteria are reviewed regularly, with ?mely updates for proac?ve
adapta?on to changes in legal /regulatory requirements, business strategies, market
environment or por?olio performance
? Assist in building strong controls to mi?gate risks across all spectrums (Onboarding, Credit,
Opera?ons, Fraud, Reputa?on)
? Foresee por?olio direc?on, loss es?mates and how to control the same
? Monitor por?olio delinquencies at a micro level - iden?fica?on of segments, loca?ons and
profiles which are delinquent
? Ability to shape the risk appe?te of the product in line with growth objec?ves and Risk Appe?te
framework of the bank alongside risk based pricing
? Facilitate implementa?on of technological interven?ons like scorecards, digital journeys and
automa?on to the streamline processes
? Recommend improvements to processes and policies across the Retail Banking business to drive
opera?onal efficiencies and high quality customer service
? Leverage in-house synergies through collabora?on with internal stakeholders
? A?ract and retain best-in-class talent for key roles in their repor?ng structure

Skills Required