AVP - Risk Policy Mortgages - BFS

- Write/modify Credit Policies, product parameters, processes and related guidelines Review/change/modify documentation processes, forms and guidelines for all LAP/Mortgages/Home Loans

- Provide functional support on all credit matters to business teams

- NCL Forecast- Forecast product wise NCL and monitor the same on monthly basis

- Manage and monitor portfolio quality. Undertake periodic portfolio and collection reviews for the business and monitor the branches on triggers & NCL lines

- Undertake monthly reviews based Portfolio MIS

- PDD management

- Manage triggers and take decisions on portfolio basis the triggers

- Partner the business team in identification, market selection and sales zoning from a credit risk perspective

- Provide credit decisions for proposals above branch approval authority in terms of exposure limits and deviations

- Risk Mitigation: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and area

- Monitoring & Compliance: Ensure adherence to policies and processes, correcting procedural flaws; ensure proper documentation; support Branches in troubleshooting field problems and identifying, designing, and implementing improvements. Ensure that the policies/processes are in adherence with legal and compliance framework in force

- Enable credit training for Territory/Cluster / branch approvers/officers on credit fundamentals and processes including origination, credit approval, collection, documentation and disbursement processes

- Enable/Control credit delegations and approval authority for underwriters

- Support & coordinate with training team for Credit Related modules

- Work closely with Risk Control and Review and Internal Audit team. Finalize audit parameters and risk categorization with them

- Enable Legal support to branch and clusters including enabling DPD, LRN notification processes

- Work with fraud control teams to streamline fraud processes

- Monitor/Manage Credit origination expenses

- Interaction with various support groups including IT and compliance to initiate/review systems/processes

Describe the KPIs against each perspective :

Perspective Key Performance Indicators

a. Business and Financial Management - Manage NCL within budget

- Control delinquencies (DPD)

- Achieve recovery target

- Write/Modify Credit policies and program

b. Customer Focus - Implement risk policies focused at market & business needs

- Implement suitable policies to enable inclusion of potential customers/customer profiles and handhold/mentor the officers to deliver

c. People/Team - Have a continuous employee engagement resulting in increase in employee satisfaction and retention

- Design training modules to ensure policy and processes training is easily understood by the officers to discharge their responsibilities and handhold /mentor them to deliver

- Provide support in hiring to be done for Risk Team. Control regretted attrition

d. Process/Quality Improvement - Implement sound portfolio management process to manage portfolio across the branches

- Implement process adherence across branches reflected through audit and quality check

- Frauds including employee frauds under control

e. Self deliverables

The most important tasks performed on an individual basis without involving subordinates are :

1. Write/modify Credit Policies, product parameters, processes and related guidelines Review/change/modify documentation processes, forms and guidelines

2. Provide credit decisions for proposals above branch approval authority in terms of exposure limits and deviations

3. Undertake periodic portfolio and collection MIS reviews for the business. Closely Monitor the branches on triggers & NCL lines

4. Work closely with Risk Control and Review and Internal Audit team. Work with fraud control teams to streamline fraud processes

5. Oversee training Cluster/branch approvers/officers on credit fundamentals and processes including origination, credit approval, collection, documentation and disbursement processes