Deputy Unit Manager - BFSD Loans B2C PLCS

Job Purpose

Risk Portfolio management for each of the Co-lending partner.Culture Anchor:Have high ambitions - Inspires the team to aim for higher targets and supports in achieving themOwn It - Acknowledges uncertainty and makes changes in own decisions/ actions for better outcomes

Duties and Responsibilities
The role will manage all Risk related activities of a new Strategic Business Initiative of the Company - "Co-Lending". The role will manage multiple products - Micro Finance, Personal Loans, Housing, Commercial Vehicle, Tractor Gold Loan. Co-Lending Portfolio Monitoring

Responsible for Product Program, Existing policy changes and implementation of Policy rules on System

Responsible for Portfolio Management according to annual operating plans and Risk KPI's

Responsible for Loan Loss budgeting AOP delivery on various risk KPIs

Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes business strategies, market environment or portfolio performance

Responsible for tracking portfolio performance/TTD Metrics/Approval Rates Data Infrastructure MIS

Responsible for setting up Data Infrastructure related to Risk for Co-Lending business

Responsible for developing and publishing monthly risk reports to Senior Management

Responsible for Partner wise Monthly Risk deck preparation Development Management of Credit Rule Engine

Developing and managing Rule Engine coding to code Risk Policy rules of each Co-lending partner

Responsible for getting UAT testing of risk rules coded sign off

Understanding any policy rule changes communicated by the External Partners and executing the coding, testing sign off of the rule changes.

Ensuring that the Rule Engine is working as coded and Error Rate is Nil.

Responsible for Risk Masters maintenance in system

Alignment of Co-Lending Partners masters with our internal systems.

Required Qualifications and Experience
Practice Emotional Intelligence - Develops the team, supporting them to do moreListens to others, stays calm under pressure, and treats everyone with respect.