Lead - Risk & Policy - Auto Lending

Responsibilities for the job:

- Own end-to-end Risk & Policy framework for Two-Wheeler and Electric Two-Wheeler and e-TWL lending business.

- Lead risk and policy for TW and Electric TW portfolios.

- Draft and design underwriting policies, scorecard-based decision frameworks and exposure norms.

- Define portfolio risk appetite and monitor policy effectiveness.

- Drive approval, LTV and eligibility strategies.

- Build and implement new risk programs with OEMs, dealers and channel partners.

- Monitor portfolio performance and recommend risk actions.

- Use bureau, banking, alternate data and analytics models for policy optimization.

- Lead policy governance and exception management.

- Partner with Product, Business, Collections and Analytics teams.

- Drive new initiatives across EV financing ecosystem.

- Present portfolio reviews and risk recommendations to senior management.

- Ensure adherence to RBI guidelines and internal governance standards.

- Lead internal and external audits, regulatory reviews and policy controls.