Role Overview
The incumbent will be responsible for managing credit risk, supporting enterprise risk management initiatives, enhancing portfolio monitoring frameworks, and ensuring alignment with regulatory requirements and organizational objectives.
Key Responsibilities
Credit Risk Management
- Draft, review, and update credit policies in line with RBI regulations, industry best practices, and business objectives.
- Develop and maintain Standard Operating Procedures (SOPs) for credit and risk processes.
- Conduct periodic reviews of credit policies and recommend enhancements based on portfolio performance and market conditions.
- Monitor portfolio quality and identify emerging risks and early warning signals.
Enterprise Risk Management (ERM)
- Develop, implement, and monitor Key Risk Indicators (KRIs) under the ERM framework.
- Support the design and maintenance of risk dashboards and management information systems (MIS) for senior leadership.
- Track risk metrics and provide actionable insights to mitigate potential risks.
Portfolio & Process Management
- Analyze portfolio trends, risk concentration, and performance indicators.
- Recommend corrective actions and risk mitigation strategies to improve portfolio health.
- Coordinate with business and technology teams for system enhancements and process automation initiatives.
- Drive continuous process improvements to enhance efficiency and risk controls.
Governance & Compliance
- Ensure adherence to internal policies, regulatory requirements, and risk governance standards.
- Coordinate internal audit activities and closure of audit observations.
- Prepare periodic reports and presentations for management committees and stakeholders.
Candidate Profile
Experience
- 10+ years of experience in Credit Risk Management.
- 3+ years of experience in Enterprise Risk Management (ERM), including KRIs/KPIs monitoring and reporting.
- Experience in Credit Policy formulation and Portfolio Management within NBFCs, Banks, or Financial Institutions.
Technical Skills
- Strong understanding of credit risk assessment, portfolio analytics, and regulatory requirements.
- Hands-on experience with NBFC lending platforms such as Salesforce, OneFin, FinOne, or similar systems.
- Proficiency in MIS reporting, dashboard creation, and risk analytics.
Competencies
- Strong analytical and problem-solving skills.
- Excellent stakeholder management and communication abilities.
- Ability to work independently and drive cross-functional initiatives.
- Attention to detail with a strong focus on governance and compliance.
