01Responsibilities
Understanding of retail loan products, especially PL, TW, Used Car, and Commercial Vehicle Loans
preferred experience in underwring / product management of CV/CE and Auto Loans.
Facilitate regular asset quality reviews with provision of analycs insights to idenfy risks/
opportunies and recommend relevant acons
Ensure program risk acceptance criteria are reviewed regularly, with mely updates for proacve adaptaon to changes in legal /regulatory requirements, business strategies, market environment or porolio performance
Assist in building strong controls to migate risks across all spectrums (Onboarding, Credit,
Operaons, Fraud, Reputaon)
Foresee porolio direcon, loss esmates and how to control the same
Monitor porolio delinquencies at a micro level - idenficaon of segments, locaons and profiles which are delinquent
Ability to shape the risk appete of the product in line with growth objecves and Risk Appete framework of the bank alongside risk based pricing
Facilitate implementaon of technological intervenons like scorecards, digital journeys and automaon to the streamline processes
Recommend improvements to processes and policies across the Retail Banking business to drive operaonal efficiencies and high quality customer service
Leverage in-house synergies through collaboraon with internal stakeholders
Aract and retain best-in-class talent for key roles in their reporng structure .
