Policy & Risk Head - LAP & Home Loans - NBFC

As the Policy & Risk Head for Home Loans and lending against property (LAP), you will be responsible for developing and executing risk management strategies that enable sustainable portfolio growth while protecting the organization from excessive risk.

Key Responsibilities:

- Develop and implement comprehensive credit policies, underwriting criteria, and risk management frameworks tailored specifically for Home Loans and LAP in alignment with organizations overall risk appetite. Continually enhance policies by tracking market trends, regulatory changes, and portfolio performance analytics.

- Lead portfolio-level risk assessments to identify current and emerging areas of risk concentration. Employ data-driven analyses of lending channels, products, geographies, and customer segments to provide strategic insights on growth opportunities and risk mitigation tactics.

- Oversee the end-to-end credit decision process, ensuring adjudication standards align to credit policies. Set up credit scoring models and lend prudently by balancing quantitative benchmarks with qualitative borrower evaluations.

- Ensure vigilant compliance to all regulatory and statutory guidelines issued by RBI and other Statutory bodies. Lead periodic audits and process reviews to identify gaps, implement corrective measures, and prevent non-compliance.

Education and Work Experience Requirements:

- Qualified CA/FRM/CFA.

- 10+ years overseeing credit risk domains within retail banking or lending organizations.

- Advanced degree in business management, finance, economics, or equivalent fields.

- Sharp analytical thinking and strong numerical, statistical, and technology skills.