Policy Lead - Microfinance/Cross Sell & Unsecured Loan

ROLE- Policy Lead - MFI ,Cross-Sell or and Unsecured Loan

• VERTICAL - Credit Risk
• BUSINESSLINE - Policy
• PRODUCT - Micro-Finance Loans or Cross-Sell, and Unsecured Loan
• FUNCTION - Policy
• REPORTS TO - (Role of Manager) Head - Collections and Policy

JOB ROLE:

• Developing and implementing lending policies for Micro Finance, ensuring compliance with regulatory requirements and company guidelines.
• Responsible for portfolio quality, health and credit loss numbers.
• Analyzing market trends and industry data to recommend appropriate changes required to adapt to market requirement for Micro Finance customers.
• Collaborating with the risk management team to assess creditworthiness and establish risk mitigation strategies.
• Conducting regular reviews of existing policies to identify areas for improvement or adjustment based on changing economic conditions or business goals.
• Interacting with internal stakeholders, such as sales, marketing, and operations, to align policies with overall business objectives.
• Monitoring and reporting on the performance of Micro Finance Loan portfolios, identifying potential issues, and proposing solutions to optimize loan performance.
• Exposure to Technical and credit management software and rules and automation activities for the same.

KEY RESPONSIBILITIES

• Ability to manage multiple stakeholders.
• Staying up-to-date with relevant laws and regulations related to Loans secured against Immovable
• Properties to ensure compliance and mitigate legal risks.
• Training and educating staff on Micr Finance policies and procedures, ensuring a consistent understanding and adherence across the organization.

MANDATORY SKILLS REQUIRED-

• MBA/Post Graduate with 12-15 Years of experience.
• Strong Inter-personal, relationship building and leadership skills
• Good Articulation ability, decision making and Leadership Skills.
• Able to drive team