Credit Policy Role - Micro Loans - NBFC

- The role is a key role, credit policy manager in Rural Business Finance (RBF) vertical.
The person would be a senior resource, key to the team, he would be responsible for:
- Policy Creation / Designing - writing/ amending existing credit policies in liaison with product, risk team;
- Implementation of policies - ensure the same is implemented (raise BRD, testing) by the digital team.
- Portfolio Quality - Closely monitor and evaluate the overall performance RBF portfolio PAN-India. Study trends/ growth/ risk/ identify Early Warning Signs (EWS) and ensure corrective action is accordingly taken in the policy and we implement it in the field (on-boarding application) through the digital IT team.
- New Initiative's - Ideation and Implementation of new products, if any.
PRINCIPAL ACCOUNTABILITIES:
Credit Policy:
- Lead design & implementation of policy for Rural Business Finance.

- Amendments to policies/processes with regard to managing various risks
- To set and monitor threshold limits for various product variants.
- To work with Bureau to track industry level initiatives.
Implementation of Policies:
- Ensure the policy is implemented through the digital team (raising BRD's, testing) in a timely manner.
- Portfolio Monitoring & Analysis
- Monitor and evaluate performance indicators of Portfolio and study trends for growth and risk levels.
- To review the credit portfolio and propose appropriate corrective measures from time to time.
- Identify Early Warning Signals & Key Risk Indicators.
- Identify Industry trends and identify areas of opportunity & risk.
SKILLS AND KNOWLEDGE:
- Educational Qualifications - MBA / CA
Functional Skills:
- Sound knowledge of lending products and policies for rural businesses.
- Knowledge of lending in Micro-Loan and Micro-LAP, PAN India/ markets (preferred).
- Knowledge of Business Loan, Personal Loan, Gold Loan an add on.
- Knowledge of Excel, Word, Power-point a must. Advanced excel, Power BI / other analysis tools- add-on.
- Good language skills, Presentations Skills to senior management.
- Relevant and total years of experience 5-10 years.