Godrej Capital
Website:
godrejcapital.com
Job details:
Role
Policy Development & Management
- Support in designing and updating credit policies for personal loans.
- Establish frameworks for LTV (Loan-to-Value) norms, product slabs, ticket size rules, customer segmentation, pre-sanction validations, and renewal policies.
- Draft policy notes, circulars, exception matrices, and rollout communication.
- Maintain documentation for policy versions, approvals, and audit trails.
Portfolio Risk Analytics
- Monitor key portfolio metrics including auction volumes, renewal performance, delinquency trends, bounce rates, vintage analysis, flow rates etc.
- Conduct deep dives to identify emerging risks (e.g., abnormal closures, unusual prepayments, appraisal discrepancies) and recommend timely corrective actions.
- Track performance of policy changes and run post‑implementation impact analyses.
- Support periodic review of internal risk limits, triggers and exposure norms.
Cross‑Functional Collaboration
- Liaise with business, product, operations, collections, audit and compliance for policy related actionable.
- Partner with tech teams for implementation of risk rules in LOS/LMS.
Monitoring & Reporting
- Prepare dashboards and management reports on portfolio health.
- Automate monitoring and alert mechanisms for early warning indicators.
- Monitoring and reporting regulatory aspects for Personal Loan product.
Qualification & experience
- 3 to 5 years of experience in credit risk (personal Loan Product).
- Mandatory Qualification – MBA (finance) / CA
Essential skills
- Strong understanding of Personal loan product.
- Analytical mindset with attention to detail.
- Excellent communication and report-writing skills.
- Proficiency in MS Excel, PowerPoint, and data visualization tools.
- Ability to work cross-functionally and manage multiple stakeholders.
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