Senior Associate - Credit Portfolio Management - Unsecured Loan

- Manage policy / processes for Unsecured Products (Personal Loans, Credit Cards, Eco-System Partnerships management for the consumer retail portfolio pan India.

- Assist in the preparation & implementation of product programs. Facilitate regular asset quality reviews with provision of analytics insights to identify risks/opportunities and recommend relevant actions

- Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance

- Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit systems team, credit operations team and collection team

- Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems

- Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions

- Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps

- Ensure issues/action plans arising from Risk &Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up