Policy & Risk Manager - Rural risk
Job Description:
Job Description
Key expectation:
- Product / policy experience in retail / rural market segment
- Secured lending exposure will be preferred.
Key Performance Indicators
|
Performance Area |
Key Performance Indicators |
|
Policy Documentation & analytical writing / training |
Assist – ü In drafting the policy documents / circulars / newsletter / risk communications ü Portfolio management activities – based on collection feedback ü Identify and act upon various risk arising out of credit/process activities ü Risk mitigation – bureau / rating agencies/collection reports to be reviewed |
|
IT / Project / Training / Initiatives |
ü Liaise with IT team / vendors for new IT enhancements & Implementation ü Conduct user level tests (UAT) and simulations for any data improvement & initiatives as required time to time ü Liaise with training team for policy and process changes & implementation ü Initiatives related to policy/process improvement from time to time |
|
Process / Quality Improvement |
ü Process adherence as measured by audit ratings, FTR score and TAT are key deliverables ü Quality as measured by delinquency, bounce rates and loss numbers are key deliverables |
|
Policy and Portfolio management |
ü Design, Develop & Publish MIS and dashboard as per the policy & process in accordance with ROC approved guidelines / acceptable risk & policy framework ü Interaction with business and allied teams to incorporate changes ü Track and react to external influence on portfolio- Bureau/rating agencies |
|
Communication skills / Interpersonal skills |
ü To possess excellent communication & writing skills ü To have a flair for change with bird’s eye vision ü To possess rational approach and ability to handle situations pro-actively |
Expertise required/ Domain Knowledge:
- Exposure to multiple geographies and location specific considerations.
- Extensive knowledge of Tier 4 and rural geography markets will be preferred.
- Ability to take wholesome view and deduce patterns arising out of various actions.
- Flair for numbers and an ability to understand processes
- Systematic & Meticulous and Ability to perform under pressure.
- Possess good communication, good analytical & logical abilities.
- High resilience, energy & initiative.
- Demonstrate core company values, including high integrity and ethics.
- Result / achievement orientation.
No. of years of relevant experience:
12+ years in financial services / banking / micro-banking, rural industry experience will be preferred focusing on credit approvals, delinquency, analysis, collections, processing, signing bank deals. Firsthand experience in policy formulation and tracking is desirable.
Any specific specialization/education:
Minimum qualification is MBA with specialization in Finance, CA or equivalent qualifications.
External customers/Frequent Contacts:
|
Most frequent contacts |
Nature or purpose |
|
Business |
Process / Policy feedback & formulation |
|
Technology / Operations |
System changes / issue resolution / new enhancements |
|
Internal Audit / RCR / OR |
Respond to issues raised / timely update of RCSA / OR framework |
|
Collection / Legal |
Delinquency tracking / Recovery measures |
|
Policy & Process review |
Direct contact – process review Functional training & periodic review |
Key Skills :
Company Profile
| This section shall be updated later. for now this is being left blank. |
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- Interested candidates are requested to apply for this job.
- Recruiters will evaluate your candidature and will get in touch with you.