Lead - Risk Policy - Affordable Housing

Job Purpose:

Lead the Credit Policy and Risk function for Affordable housing, driving strategic enhancements in product policies, process improvements, and technology initiatives.

Act as a key influencer across departments to ensure robust risk management aligned with business growth.

Key Responsibilities:

Credit Policy:

- Independently manage and continuously enhance credit policies, balancing business needs with risk appetite.

- Conduct market studies and peer benchmarking to integrate best practices into product policies.

- Provide timely guidance and responses to policy queries to support business decisions and foster a strong risk culture.

- Engage with senior and top management to present policy updates, portfolio insights, and innovative risk strategies.

Stakeholder Collaboration:

- Offer ongoing feedback to Business, Analytics, Technology, Operations, and Credit teams to support product innovation and market responsiveness.

- Disseminate policies effectively through training, knowledge tools, and clear communication to all relevant stakeholders.

Portfolio Monitoring & Risk Analytics:

- Develop and maintain dashboards to monitor key risk indicators and portfolio health.

- Conduct real-time transaction monitoring to ensure policy compliance and uphold risk standards.

- Provide analytical insights to maintain portfolio quality and preempt emerging risks.

Qualifications & Experience:

- Education: CA / MBA (mandatory).

- Experience: 4 - 5 years in Retail Lending Risk, with strong exposure to Mortgages preferably in Micro LAP, affordable housing, Small-ticket LAP, Affordable LAP.

- Exposure to Micro CF will be an added advantage.