Senior Manager
Home Credit Finance · Gurugram · onsite · Posted 28d ago
Undisclosed6–11 yrsfulltimeSourced from
About a minute. You'll make an account on the way through.
About this role
- Analysing and monitoring of loan portfolio risk performance specifically retail loans such as credit cards and personal loans
- Identify and measure the dependencies of portfolio behaviour
- Prepare and document policy changes or new products in cooperation with Risk units and other departments
- Developing standardized regular and ad-hoc reporting for various levels of management
- Providing data extraction, analysis and visualization to support company-wide decision making
- Communication with Finance on conciliation of risk related financial metrics
- Propose challengers to existing strategy, document it and evaluate performance
- Forecast, planning, budgeting for Risk Function, track actual performance against budget, calculate risk losses
- Cooperate on risk related projects such as NPA Flagging, ICAAP, Interest Rate Risk Pricing Model
- Regular communication with Underwriting, Anti-fraud, Collections and other Departments and teams
- Regular update to CRO about events, activities and initiatives
- Escalate risks and issues to appropriate level of management
- Effectively communicate relevant information to CRO and to Headquarters
- Involved in framing retail credit policies, underwriting procedures, creation and maintenance of MISs and portfolio analytics.
- Contributes to the development of annual plans and also involved in the credit approval process and subsequent implementation of approved facilities in order to maintain a healthy credit portfolio.
- Monitors portfolio performance and reviews policies to ensure competitiveness and health of portfolio.
- Estimates future loss probability for existing products as well as pilots. Create risk benchmarks for pilot products and monitor actuals versus assumed.
- Deeply involved with provisioning and impairment estimates for current and future portfolios. Locally manage provisioning models. Good knowledge of IFRS 9 provisioning concepts
- Risk SPOC for major inter-department initiatives.
- Analysing and monitoring of loan portfolio risk performance specifically retail loans such as credit cards and personal loans
- Identify and measure the dependencies of portfolio behaviour
- Prepare and document policy changes or new products in cooperation with Risk units and other departments
- Developing standardized regular and ad-hoc reporting for various levels of management
- Providing data extraction, analysis and visualization to support company-wide decision making
- Communication with Finance on conciliation of risk related financial metrics
- Propose challengers to existing strategy, document it and evaluate performance
- Forecast, planning, budgeting for Risk Function, track actual performance against budget, calculate risk losses
- Cooperate on risk related projects such as NPA Flagging, ICAAP, Interest Rate Risk Pricing Model
- Regular communication with Underwriting, Anti-fraud, Collections and other Departments and teams
- Regular update to CRO about events, activities and initiatives
- Escalate risks and issues to appropriate level of management
- Effectively communicate relevant information to CRO and to Headquarters
- Involved in framing retail credit policies, underwriting procedures, creation and maintenance of MISs and portfolio analytics.
- Contributes to the development of annual plans and also involved in the credit approval process and subsequent implementation of approved facilities in order to maintain a healthy credit portfolio.
- Monitors portfolio performance and reviews policies to ensure competitiveness and health of portfolio.
- Estimates future loss probability for existing products as well as pilots. Create risk benchmarks for pilot products and monitor actuals versus assumed.
- Deeply involved with provisioning and impairment estimates for current and future portfolios. Locally manage provisioning models. Good knowledge of IFRS 9 provisioning concepts
- Risk SPOC for major inter-department initiatives.
- Working experience with SQL and Python required
Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.
Sourced from naukri
Skills
data extractionCROMonitoringAnalyticsPythonmanagementSQLunderwritingRisk ManagementIFRS
About Home Credit Finance
Home Credit Finance
NBFC
5k+
employees
2012
14 years old
Gurugram
India
₹2.8L PA avg
Avg at Home Credit Finance
About
Home Credit offers a consumer durable loan in India at best interest rates. Buy mobile phones and home appliances on emis with instant approval.
Industries
NBFC
Employee ratings
10 reviews
4.0/ 5
Culture
3.6
Career growth
2.9
Work-life
3.8
Employees rate it well for
Work-Life Balance40Overall Company40
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