National Head - Fraud/Credit Risk - Salaried Personal Loan/Salaried Home Loan - CA/IIM/ISB/MDI/FMS

Position Summary :

- Role - Risk

- Formulation & writing of Risk policy, identifying new digital risk management solutions, monitoring portfolio health & loss rates within budget through preparation of regular MIS for Salaried Personal Loan & Salaried Home Loan.

Duties and Responsibilities :

Acquisition Policy :

- Responsible for risk & credit policy creation and adherence for NSB

- Creating Integrated risk frameworks for NSB partnerships

- Presenting & approval of risk frameworks

- Responsible for identifying unique new age digital credit risk solutions relevant to the customer segment which aid in better risk management in a paperless, non-intrusive and instant manner.

- Assessing different data from vendors to understand various capabilities that can be used for customer assessment

- Support business by designing relevant Challenger programs to test new segments and monitor its performance.

- Find business opportunities in existing / prospect data

Portfolio Management:

- Pro-active portfolio management to prevent delinquency

- Monthly Risk Decks & publishing risk related reports to stakeholders. Weekly / Monthly MIS and deck preparation.

- Monitoring portfolio health & loss rates through regular MIS. TTD Monitoring

- Regular monitoring and reporting of Risk KPIs like Bounce Rate, Early delinquency for the portfolio

- Work closely with Analytics and use analytics for monitoring portfolio quality and suggest amendments to policy.

Policy execution and fraud management:

- Cross functional builds related to system ( e.g. underwriting system )

- Responsible for ensuring the policy rules automated in system are working as required.

- Responsible for minimizing Fraud risks by constantly evaluating process gaps and improvising risk policy.

- Support business in achieving Annual Operating Plan numbers

- Team Management & Training new team members

- Professional Experience :

- Good knowledge of digital eco system

- Experience of working on risk & fraud initiatives with respect to financial transactions in the digital world

- Should be professionally qualified from a reputed Institute

- Good analytical ability and eye for detail.

- Ability to work with large data sets with good computing skills

- Personal Attributes

- Fast and Agile

- Can maintain high energy for extended periods of time. Moves fast when required.

- Ability to engage and listen to external partners

- Highest level of integrity in all business practices

- Good analytical ability.

- Excellent communication skills and presentation skills

Qualification : MBA ( Premium Institutes ) / C.A

For More Details Connect me on 7028030245

Tanmay