Designation: Senior Associate – Risk & Policy (LAP)
Band: Band 3
Department: CRO Unit
Reporting To: Lead – Risk & Policy (SME & CIF)
Location: Corporate Office, New Delhi
To drive policy formulation, risk management, and portfolio governance for the Loan Against Property (LAP) business, ensuring profitable growth while maintaining portfolio quality and regulatory compliance.
- Design, review, and implement LAP credit policies and process enhancements.
- Manage collateral and property funding policies, risk controls, and approval matrices.
- Develop policy frameworks for new products, programs, and partnerships.
- Monitor portfolio trends, sourcing quality, deviations, and underwriting performance to refine risk policies.
- Collaborate with Business, Credit, Operations, Product, Compliance, and Risk teams to strengthen underwriting and decision-making frameworks.
- Track industry trends, competitive practices, and regulatory developments to enhance policy effectiveness.
- Support digital lending initiatives and provide policy guidance across stakeholders.
- Drive risk-calibrated growth initiatives while safeguarding portfolio quality.
Education: MBA / CA / Master's Degree
Experience: 7–10 years in Risk Management/Credit Policy, with mandatory experience in LAP policy and risk management.
- Strong understanding of LAP products, underwriting, collateral assessment, and risk management.
- Experience in credit policy formulation, documentation, and governance.
- Knowledge of NBFC/Banking industry practices and regulatory requirements.
- Proficiency in MS Excel, Word, and PowerPoint; working knowledge of data analytics.
- Strong communication, stakeholder management, analytical thinking, and ownership mindset.
