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Job Code
1458830
Lead Policy - Home Loans - BANK
Given below the position details with a Leading Bank :
Role/Job Title : Lead Policy - Home Loans
Function/ Department : Retail Risk
Job Purpose :
- The role holder has the responsibility to review performance of Home Loans portfolio and continuously monitor risk across the portfolio.
- The role holder is resposnisble to review the acquision and portfolio management policies and ensuring the growth of portfolio in right direction within the Risk appetite of the bank.
- The role includes interacting and coordinating with all the control functions and respective stakeholders of the Bank like Business Risk/ Product/ Audit/ Analytics / Operations/Technology for effective and efficient delivery and controls of project and process within specific timeliness.
Roles & Responsibilities :
- Position with retail risk team under CRO vertical, with reporting to Risk Head - Home Loans or equivalent.
- Understanding of retail loan products, especially Home Loans/ Affordable Home Loans/LAP - preferred experience in Underwriting / Policy / Risk teams.
- Data crunching abilities. Detailed knowledge of portfolio review basis nature/market and features of product and ability to understand stress segment.
- Setting ups of risk thresholds for the assigned products within the overall risk appetite of the bank, in coordination with business teams based on yearly projections and budgets.
- Risk reporting of portfolio and breaches to thresholds set product wise. Ability to analyze reasons of portfolio performance and enact on corrective measures appropriately.
- Vetting policy proposition and approving policy modifications based on merits and associated credit risk.
- Understanding of credit scoring models and work with stakeholders to strategize model deployment.
- Proactive engagement with counterparties / stakeholders for fruitful discussion and execution of risk practices.
- Regular monitoring of the portfolio performance on early risk indicators/ TTD trends / Segment Mix for assessment of impact of the policy changes.
- Willing to work on complex data for meaningful insights to enable risk assessment and decision.
- Individual Contributor role.
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Posted By
245
JOB VIEWS
72
APPLICATIONS
38
RECRUITER ACTIONS
See how you stand against competition
Pro
View Insights
Posted in
Banking & Finance
Job Code
1458830
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