Manager - Credit Policy - Unsecured Loans

Manager - Credit policy - Unsecured Loans

- Credit Policy formulation, implementation and portfolio management by understanding current Risk trends and hind sighting the future potential Risks to ensure that the organization achieves the business goals along with a healthy portfolio growth.

- Formulate Benchmarks / Parameters for extending Credit facilities by the organization.

- Provide the Key Metrics information and the portfolio analysis

- Work in tandem with the Credit team, train them in terms of Policy adherence while sanctioning the Credit proposals and Underwriting.

- Understand the business environment, company's business plans and provide suitable Risk & Policy solutions to the organization.

- Amendments to existing policies as per the business requirement, understanding of customer demographics and design demography/ customers specific Credit Policies by keeping in mind operational Risk, Distribution Risk too

- Continuous Policy review and Portfolio management to ensure healthy Portfolio growth for the organization.

- Identify, Highlight and Rectify the lapses in the Procedure, Sanction/Disbursement of loans in order to ensure Credit Policy adherence in the organization.

- Creating Internal Early Warning Signal for certain portfolios in association with the Risk team and make necessary changes in the Policy.

- Ensure adherence to RBI Guidelines and compliance while framing the Credit Policies.