Risk Policy Manager - NBFC

About Company:

Incorporated in 2006, the company is a non-banking financial company (NBFC) registered with the Reserve Bank of India (RBI). With an assets under management (AUM) of approximately Rs 4,000 crores, the NBFC operates over 170 branches across 11 states and employs around 2,000 people. It primarily serves the MSME sector by offering both secured and unsecured business loans, as well as loans for used vehicles.

Job Description:

- Expertise in digitization and automation of retail underwriting, including associated risks.

- Skilled in writing BRDs (Business Requirement Documents) and BREs (Business Rule Engines) for credit process automation to enhance productivity.

- Proficient in creating SOPs and customer journeys aligned with RBI and regulatory guidelines.

- Analyze business data to identify process improvements for efficiency and effectiveness.

- Develop credit risk policies and lending frameworks for MSME businesses, assessing risks periodically.

- Establish robust practices for early delinquency identification, EWS processes, and portfolio monitoring.

- Apply guidelines on risk exposure, provisioning, ECL, and asset classification.

- Formulate and govern policies through collaboration with credit, business, operations, and compliance teams.

- Monitor portfolios based on demographic, bureau, and industry parameters to drive underwriting insights.

- Interact with partner policy teams for co-lending programs and calibrate credit policies for new products.

- Track delinquencies, update credit policies in real time, and implement feedback loops for improvement.

- Conduct loan file hindsight reviews, suggest corrective actions, and align policies with business goals.

- Lead policy design, regulatory alignment, competition mapping, and support new product development.

- Ensure accurate data capture for borrower and loan analysis to study onboarding trends.

- Monitor Through-The-Door (TTD) business for risks and geographical trends.

- Drive standardization of credit processes and documentation.