Policy Manager

Role & responsibilities

• Credit Risk Management of Retail loans portfolio
• Formulation of Credit policy within regulatory parameters and risk appetite of the organization
• Ensure Implementation and adherence of Credit Policy through training of credit and operations team on the policy parameters and consistent guidance on the clarifications on product and policy parameters
• Identify areas of improvement in existing processes of credit underwriting, risk management and operations and its implementation
• Responsible for monitoring quality of the portfolio by monitoring early delinquencies and NPA
• Travelling across locations for understanding the local policy and product requirement, process reviews and imparting training
• User Acceptance Test (UAT) of LOS & BRE systems and its implementation in production environment
• OTC and PDD matrix formulation, delegation of authority and monitoring of overdue

Preferred candidate profile

• Prior experience of mortgage risk and policy formulation (mandatory)
• Prior experience with affordable housing loans/LAP (mandatory)