Policy Manager - Personal/Agri Loan

Job Role : Policy Manager - Personal Loan / Agri Loan

Location: Mumbai

Key responsibilities :

The person would be a senior resource, key to the team, he would be responsible:

- Policy Creation / Designing : writing/ amending existing credit policies in liaison with product, risk team;

- BRD preparation : ensure the same is implemented by the digital team.

- Portfolio Quality : Closely monitor and evaluate the overall performance RBF portfolio PAN-India. Study trends/ growth/ risk/ identify Early Warning Signs (EWS) and ensure corrective action is accordingly taken in the policy and we implement it in the field (on-boarding application) through the digital IT team.

- New Initiative's : Ideation and Implementation of new products, if any.

Principal Accountabilities:

Portfolio Monitoring & Analysis:

- Monitor and evaluate performance indicators of Portfolio and study trends for growth and risk levels.

- To review the credit portfolio and propose appropriate corrective measures from time to time.

- Identify Early Warning Signals & Key Risk Indicators.

- Identify Industry trends and identify areas of opportunity & risk.

Credit Policy:

- Lead design & implementation of policy for Rural Business Finance / PL / Agri loan.

- Amendments to policies/processes with regard to managing various risks

- To set and monitor threshold limits for various product variants.

- To work with Bureau to track industry level initiatives.

Implementation of Policies:

- Ensure the policy is implemented through the digital team in a timely manner.

Functional Skills:

- Sound knowledge of lending products and policies for rural businesses. Knowledge of lending in PL, unsecured loans, PAN / markets would be an add-on.

- Knowledge-Excel, Word, Power-point a must. Advanced excel, Power BI / other analysis tools- add-on.

- Presentations Skills to senior management.