Overview
Job Role : Policy Manager – Personal Loan / Agri Loan
Location: Mumbai
Key responsibilities :
The person would be a senior resource, key to the team, he would be responsible:
– Policy Creation / Designing : writing/ amending existing credit policies in liaison with product, risk team;
– BRD preparation : ensure the same is implemented by the digital team.
– Portfolio Quality : Closely monitor and evaluate the overall performance RBF portfolio PAN-India. Study trends/ growth/ risk/ identify Early Warning Signs (EWS) and ensure corrective action is accordingly taken in the policy and we implement it in the field (on-boarding application) through the digital IT team.
– New Initiative’s : Ideation and Implementation of new products, if any.
Principal Accountabilities:
Portfolio Monitoring & Analysis:
– Monitor and evaluate performance indicators of Portfolio and study trends for growth and risk levels.
– To review the credit portfolio and propose appropriate corrective measures from time to time.
– Identify Early Warning Signals & Key Risk Indicators.
– Identify Industry trends and identify areas of opportunity & risk.
Credit Policy:
– Lead design & implementation of policy for Rural Business Finance / PL / Agri loan.
– Amendments to policies/processes with regard to managing various risks
– To set and monitor threshold limits for various product variants.
– To work with Bureau to track industry level initiatives.
Implementation of Policies:
– Ensure the policy is implemented through the digital team in a timely manner.
Functional Skills:
– Sound knowledge of lending products and policies for rural businesses. Knowledge of lending in PL, unsecured loans, PAN / markets would be an add-on.
– Knowledge-Excel, Word, Power-point a must. Advanced excel, Power BI / other analysis tools- add-on.
– Presentations Skills to senior management.