Job Description

Job Category: KMBL
Degree Level: Bachelor's Degree
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Job Purpose:
To manage credit risk across the Housing Finance portfolio by ensuring robust underwriting, portfolio analytics, early warning detection, and policy compliance. The role involved risk evaluation of home loan proposals, driving risk-adjusted growth, and supporting regulatory and internal audits.
Key Responsibilities:
The role requires to process, implement and develop risk strategies for Home loan 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.

• MBA/ Postgraduate in Banking Industry.
• Certification in credit risk, data analytics, six sigma and FRM is an advantage.
• 7-8 years of experience in private banks or large sized housing finance companies. Experience in Legal/ Technical evaluation is an added advantage.
• Experience in implementing scorecard models in policy and credit decisioning process.
• Proficiency in data mining and using visualization tools will be an added advantage.
• Experience in implementing BRE and rule-based underwriting and enabling automation of credit checks.