01Overview
- The role is a key role, credit policy manager in Rural Business Finance (RBF) vertical. The person would be a senior resource, key to the team, he would be responsible for:- Policy Creation / Designing - writing/ amending existing credit policies in liaison with product, risk team;- Implementation of policies - ensure the same is implemented (raise BRD, testing) 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:Credit Policy:- Lead design & implementation of policy for Rural Business Finance.- 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 (raising BRD's, testing) in a timely manner.- 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.SKILLS AND KNOWLEDGE:- Educational Qualifications - MBA / CAFunctional Skills:- Sound knowledge of lending products and policies for rural businesses.- Knowledge of lending in Micro-Loan and Micro-LAP, PAN India/ markets (preferred).- Knowledge of Business Loan, Personal Loan, Gold Loan an add on.- Knowledge of Excel, Word, Power-point a must. Advanced excel, Power BI / other analysis tools- add-on.- Good language skills, Presentations Skills to senior management.- Relevant and total years of experience 5-10 years. .
