Godrej Capital
Website:
godrejcapital.com
Job details:
Job Purpose:
Lead the Credit Policy and Risk function for Micro LAP Mortgages, driving strategic enhancements in product policies, process improvements, and technology initiatives. Act as a key influencer across departments to ensure robust risk management aligned with business growth.
Key Responsibilities:
Credit Policy
- Independently manage and continuously enhance credit policies, balancing business needs with risk appetite.
- Conduct market studies and peer benchmarking to integrate best practices into product policies.
- Provide timely guidance and responses to policy queries to support business decisions and foster a strong risk culture.
- Engage with senior and top management to present policy updates, portfolio insights, and innovative risk strategies.
Stakeholder Collaboration
- Offer ongoing feedback to Business, Analytics, Technology, Operations, and Credit teams to support product innovation and market responsiveness.
- Disseminate policies effectively through training, knowledge tools, and clear communication to all relevant stakeholders.
Portfolio Monitoring & Risk Analytics
- Develop and maintain dashboards to monitor key risk indicators and portfolio health.
- Conduct real-time transaction monitoring to ensure policy compliance and uphold risk standards.
- Provide analytical insights to maintain portfolio quality and preempt emerging risks.
Qualifications & Experience
Education: CA / MBA (mandatory)
Experience: 4-5 years in Retail Lending Risk, with strong exposure to Mortgages preferably in Micro LAP, Small-ticket LAP, Affordable LAP. Exposure to Micro CF will be an added advantage.
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