AK Group - Vice President - Retail Credit Policy & Portfolio Analytics

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Company Profile:
A. K Group, a financial conglomerate was founded by Mr. A.K Mittal with a vision to operate and develop the Indian debt capital markets which were in nascent stage. A. K Group over the period has emerged as one of the most trusted Bond Houses of India, aimed at providing the most competent solutions to its clients. Proficient at the Fixed Income Market Segment of the Indian Economy, the group works towards its definitive motive of "A Bond in every hand".
A. K. Group offers varied range of financial products and services like Investment Banking, Broking & Distribution, Advisory Services, Financing and Structured Products.
Role: VP - Retail Credit Policy & Portfolio Analytics
Location: Mumbai
Role Purpose:
Build and drive the credit policy and portfolio risk framework for AK Capital's retail lending initiatives as the business is scaled.
Job Responsibilities:
- Develop credit policies (particularly secured), product programs and underwriting norms for identified retail products (particularly secured), customer segments and sourcing/partnership models.
- Define customer selection criteria, credit filters, bureau norms, FOIR/LTV, scorecards and other product-level underwriting parameters.
- Set up the portfolio monitoring and analytics framework covering delinquencies, vintages, roll rates, early-warning indicators, concentrations and other key portfolio metrics.

- Use portfolio analytics to recommend changes in credit policy, underwriting cut-offs, exposure limits and sourcing strategy.
- Evaluate credit and portfolio risks for co-lending, fintech/originator partnerships and acquired loan pools.
- Work closely with Business, Credit, Collections, Operations and Technology to embed appropriate credit controls as the retail business scales.
Experience & Qualification:
- 8 - 12 years in retail credit policy/portfolio risk with a bank or NBFC, with experience in setting up or significantly scaling a retail lending product/business.
- Strong analytical and hands-on credit policy experience required.
- CA/MBA/FRM preferred.