Assistant Vice President - Risk Policy - Digital Partnerships - NBFC

Job Title AVP - Risk Policy - Digital Partnerships.

Function / Department Risk - Policy and System.

KPIs against each perspective

No of years of relevant experience:

- 7+ years' experience in risk policy or risk management in unsecured retail loans business with focus on data driven policy formulation policy formulation.

- Experience in Digital lending space with exposure to fintech platforms & partner led business acquisition.

- Formulating and managing risk policies for various program offerings in partnership with Fintech LSPs.

- Monitoring of key metrics for existing partnership portfolios and ensuring risk is managed within acceptable benchmarks.

- Support new Partnership and program launches in Digital Loans space.

- Develop and manage partner assessment framework for evaluating new Fintech partners.

- Support delivery of EoP AUM for Digital portfolio.

- Implementing policies through Business rule engine and introducing process automations to enhance credit checks.

- Co-ordinate with analytics for preparation of various management dashboards and tools for portfolio monitoring as well as conducting root cause analysis in case of portfolio concerns.

- Focus on operational efficiency through process changes and effective policy implementation.

- Aid conduct of audit (statutory/internal/operational risk etc) and help closure of points to satisfaction without any adverse comments.

- Collaborate with internal and external stakeholders to manage credit risk and adherence to regulatory guidelines.

Purpose of the Job:

- Risk manager for Digital Partnership portfolios.

- Responsible for developing, implementing, and managing risk policies and frameworks for Digital Partnership programs to ensure portfolio quality and compliance to digital lending guidelines.

- Collaboration with cross-functional teams to identify, assess, and mitigate risks associated with digital partnership programs and evaluate new Fintech partners for counterparty risk and the partner fitment in meeting organizational objectives.

About the company:

Registered as an NBFC - Investment and Credit Company (NBFC-ICC) with the Reserve Bank of India. India operations started in 2007, and is today a leading NBFC with a pan India presence. Working together with over 22,000 employees, we reach our market by connecting with around 2.93+ million customers, be it in cities, towns or villages, right at their doorstep. We penetrate deep inside the market through 843 branches, covering 670+ towns and approximately 70,000+ villages. We operate in the niche sectors and provide financial access to the underserved and unserved segments. By doing so, we have introduced people to formal credit.

0ne of the largest global banking and financial service groups, offering a diverse range of financial services including commercial banking, leasing, securities and consumer finance.