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Job Overview



Gender preferred

No Preferences

Functional Area


Job Role

Finance - Other

Career Level

Qualified Professional - Experienced

Work preferred

Work from Office


Min Experience

5 Years

Max Experience

6 Years



Any Graduation

Post Graduation

CA - Qualified, MBA/PGDM, M.Com



  1. Risk Policy development & Assessment
  2. Define customer profile and attributes in terms of Degree Experience business stability Age Bureau Behaviors Banking Behavior etc. to develop criteria required to assess the customer to approve/reject loan sanction request
  3. Monthly assessment of various controls charts and KPI’s at Segments / Degree / Geography/ Leverage/ Deviations and take appropriate actions to maintain healthy portfolio
  4. Define smart TTD Triggers automate on system and ensure strong hind sighting of new acquisition.
  5. Process Design
  6. Define and periodically review the master process administered alongside the master policy including aspects of various touch points (such as API integration)
  7. Plan projects by leveraging analytics technology databases to build automated and rule-based decision making in operations with a view to minimize risk in business transactions and improve predictability of risk
  8. Conduct detailed internal checks and due diligence prior to decision making on the master process and policy for approval/non-approval of loans
  9. Report and review loss rate as per predefined format and regulatory requirements on monthly basis and take corrective actions for maintaining loss rate targets post customer onboarding and ensure changes are reflected in master policy and process
  10. Offer Efficiency management
  11. Review offer waterfall from BIU / COE Teams on monthly/ quarterly basis to identify the gaps and obtain insights on where offers are targeted to increase offer efficiency
  12. Monitor offers in compliance with risk rules on a continuous basis
  13. Review and analyze 30-40 rules leading to offer pool generation propose suggestions to CRO to enhance their efficiency and put up to business stakeholders for review
  14. Stakeholders management/ interaction
  15. Conduct discussions with BIU teams to understand issues faced and resolve the same
  16. Interact with credit underwriting team to ensure compliance of policies to be rolled out with underwriting/ regulatory guidelines
  17. Engage with product teams at HO business teams sales teams and zonal managers to understand challenges seek clarity on cases of delinquencies resolve those and obtain feedback on location specific requirements
  18. Visit collection branches for reviewing performance in terms of offers efficiency and understand issues faced if any
  19. Portfolio management
  20. Analyze customer segments to identify good & bad customers and take necessary actions for managing bounces frequency within threshold making sure losses are within limit
  21. Track and manage risk metrices (such as current buck bounces loss to AR 12 months on books etc.) and provide overview of risk status to CRO on monthly basis
  22. Anticipate future problems / issues with portfolio and take actions to mitigate problems and drive a healthy portfolio

Qualification:- CA/Postgraduate with 3 - 5 years of experience


Chartered Accountant(CA)AssessmentPortfolio managementStakeholders managementRegulatory Reporting risk function

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