Assistant manager - bfsd dms bkt 1 & 2

Job Purpose

Risk Portfolio management for each of the Co-lending partner.

Culture Anchor:

• Have high ambitions - Inspires the team to aim for higher targets and supports in achieving them
• Own It - Acknowledges uncertainty and makes changes in own decisions/ actions for better outcomes

Duties and Responsibilities

The role will manage all Risk related activities of a new Strategic Business Initiative of the Company – “Co-Lending”. The role will manage multiple products – Micro Finance, Personal Loans, Housing, Commercial Vehicle, Tractor & Gold Loan.

Co-Lending Portfolio Monitoring

• Responsible for Product Program, Existing policy changes and implementation of Policy rules on System
• Responsible for Portfolio Management according to annual operating plans and Risk KPI’s
• Responsible for Loan Loss budgeting & AOP delivery on various risk KPIs
• Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes business strategies, market environment or portfolio performance
• Responsible for tracking portfolio performance/TTD Metrics/Approval Rates

Data Infrastructure & MIS

• Responsible for setting up Data Infrastructure related to Risk for Co-Lending business
• Responsible for developing and publishing monthly risk reports to Senior Management
• Responsible for Partner wise Monthly Risk deck preparation

Development & Management of Credit Rule Engine

• Developing and managing Rule Engine coding to code Risk Policy rules of each Co-lending partner
• Responsible for getting UAT testing of risk rules coded & sign off
• Understanding any policy rule changes communicated by the External Partners and executing the coding, testing & sign off of the rule changes.
• Ensuring that the Rule Engine is working as coded and Error Rate is Nil.
• Responsible for Risk Masters maintenance in system
• Alignment of Co-Lending Partners masters with our internal systems.

Required Qualifications and Experience

Practice Emotional Intelligence - Develops the team, supporting them to do more. Listens to others, stays calm under pressure, and treats everyone with respect.