Address- Position with retail risk team under CRO vertical, with reporting to Risk Head - Consumer Loans or equivalent
- Understanding of retail loan products, especially Credit Cards / CD / PL preferred experience in Underwriting / Policy / Risk teams. Data crunching abilities.
- Detailed knowledge of portfolio review basis nature/market and features of product and ability to understand stress segment. Setting ups of risk thresholds for the assigned products within the overall risk appetite of the bank, in coordination with business teams based on yearly projections and budgets.
- Risk reporting of portfolio and breaches to thresholds set product wise. Ability to analyze reasons of portfolio performance and enact on corrective measures appropriately.
- Vetting policy proposition and approving policy modifications based on merits and associated credit risk.
- Understanding of credit scoring models and work with stakeholders to strategize model deployment.
- Proactive engagement with counterparties / stakeholders for fruitful discussion and execution of risk practices. Regular monitoring of the portfolio performance on early risk indicators/ TTD trends / Segment Mix for assessment of impact of the policy changes.
- Willing to work on complex data for meaningful insights to enable risk assessment and decision. Individual Contributor role.
