Risk Lead - Personal Loan & Cross Sells - Bank

Looking for one of the banking client for the Mumbai location.

He/She should have strong retail risk management experience. He/She should have good experience in data crunching, data plotting, data presentation. If worked on SAS/SQL/Python/R would be an added advantage.

1. This role requires to process, implement, and develop risk strategies for personal loan & cross sell business.

2. The role holder would operate and maintain an effective risk management system by creating a robust risk framework for the business that includes risk identification, assessment, mitigation, tracking and reporting.

3. This helps organizations improve the management of portfolio risks and prevent losses for the business.

Roles & Responsibilities:

- Evaluate Product programs/Policies in line with regulatory guidelines and build strong controls to mitigate risks across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation etc.).

- Monitor portfolio delinquencies at a micro level, identification of segments, locations and profiles which are delinquent.

- Assure adherence to the guidelines set by the bank.

- Facilitate implementation of technological interventions like scorecards, digital journeys and automation to streamline processes.

- Serve as a policy expert and conduct trainings when needed.

- Prepare monthly newsletter - snapshot of Portfolio performance, monthly acquisition trend, quality of portfolio and trigger monitoring.

Managerial & Leadership Responsibilities:

- Monitor key parameters on productivity, hiring quality and costs via maintaining relevant scorecards.

- Build, groom and retain top-class talent pool to enable high levels of process efficiencies.

- Attract and retain best-in-class talent for key roles in their reporting structure.