Assistant Manager - BFSD Loans Multi Product

Job Purpose
•Risk Portfolio management for each of the Co-lending partner.Culture Anchor:Have high ambitions - Inspires the team to aim for higher targets and supports in achieving themOwn It - Acknowledges uncertainty and makes changes in own decisions/ actions for better outcomesDuties and Responsibilities
The role will manage all Risk related activities of a new Strategic Business Initiative of the Company – “Co-Lending”. The role will manage multiple products – Micro Finance, Personal Loans, Housing, Commercial Vehicle, Tractor & Gold Loan. Co-Lending Portfolio Monitoring •Responsible for Product Program, Existing policy changes and implementation of Policy rules on System•Responsible for Portfolio Management according to annual operating plans and Risk KPI’s•Responsible for Loan Loss budgeting & AOP delivery on various risk KPIs•Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes business strategies, market environment or portfolio performance•Responsible for tracking portfolio performance/TTD Metrics/Approval Rates Data Infrastructure & MIS•Responsible for setting up Data Infrastructure related to Risk for Co-Lending business •Responsible for developing and publishing monthly risk reports to Senior Management •Responsible for Partner wise Monthly Risk deck preparation Development & Management of Credit Rule Engine •Developing and managing Rule Engine coding to code Risk Policy rules of each Co-lending partner •Responsible for getting UAT testing of risk rules coded & sign off•Understanding any policy rule changes communicated by the External Partners and executing the coding, testing & sign off of the rule changes.•Ensuring that the Rule Engine is working as coded and Error Rate is Nil.•Responsible for Risk Masters maintenance in system•Alignment of Co-Lending Partners masters with our internal systems.Required Qualifications and Experience
Practice Emotional Intelligence - Develops the team, supporting them to do moreListens to others, stays calm under pressure, and treats everyone with respect.