Eduvanz Financing - Policy & Portfolio Monitoring Manager

Policy & Portfolio Monitoring Manager

Primary Responsibilities :

Policy Development:

- Lead the development, review, and implementation of lending policies and procedures to ensure alignment with organizational goals and regulatory requirements.

- Conduct a comprehensive analysis of market trends, competitor practices, and regulatory changes to inform policy decisions.

- Collaborate with cross-functional teams to design and refine credit underwriting guidelines, risk assessment frameworks, and portfolio management strategies.

Portfolio Management:

- Oversee the performance and composition of the loan portfolio, including monitoring asset quality, delinquency rates, and profitability metrics.

- Analyze portfolio trends and identify opportunities to optimize risk-adjusted returns through strategic allocation and diversification strategies.

- Develop and implement proactive risk management strategies to mitigate credit, market, and operational risks associated with the portfolio.

Risk Assessment:

- Conduct thorough credit assessments and risk analyses to evaluate loan applications and determine appropriate terms and conditions.

- Utilize advanced quantitative models and analytics tools to assess borrower creditworthiness, collateral valuation, and loan pricing strategies.

- Develop and implement risk mitigation strategies, including credit enhancement measures and portfolio stress testing scenarios.

Compliance:

- Ensure compliance with all relevant laws & regulations, and industry best practices governing lending activities, including RBI guidelines and NBFC regulations.

Strategy Development:

- Collaborate with senior management to develop and execute strategic initiatives aimed at optimizing portfolio performance, managing risk exposure, and achieving business objectives.

- Evaluate market opportunities and develop innovative product offerings and distribution channels to expand the organization's lending business. Also, provide guidelines accordingly.

Leadership:

- Provide leadership and mentorship to team members, fostering a culture of accountability, collaboration, and continuous improvement.

- Delegate responsibilities effectively, prioritize tasks, and ensure timely completion of deliverables to meet business objectives. Also, conduct performance evaluations, provide constructive feedback, and identify opportunities for professional development and career advancement.

Reporting and Analysis:

- Prepare reports and presentations on portfolio performance, risk trends, and compliance status for senior management, board of directors, and regulatory authorities.

- Utilize data analytics tools and visualization techniques to distill complex information into actionable insights and recommendations.

- Develop and maintain key performance indicators (KPIs) and dashboards to monitor portfolio metrics and track progress toward strategic goals.

Customer Relationship Management:

- Collaborate with sales and marketing teams to understand customer needs, preferences, and feedback, incorporating insights into product design and service delivery.

- Address customer inquiries, resolve escalated issues, and ensure timely and effective communication with internal and external stakeholders.

- Champion a customer-centric culture and drive initiatives to enhance customer satisfaction, loyalty, and retention.

Training and Development:

- Facilitate training sessions and knowledge-sharing initiatives to enhance the skills and expertise of staff members in policy compliance, risk management, and portfolio analysis.

- Develop training materials, resources, and tools to support ongoing professional development and competency building within the team.

- Promote a culture of learning and continuous improvement, encouraging staff members to pursue relevant certifications, professional development programs, and industry conferences.

Qualifications and Experience Requirements:

- Degree in business, Finance, Accounting or a related field.

- 5 - 8 years' experience in policy monitoring or similar profile with NBFC/Banks/Fin-tech lending institutions in retail lending.