Policy & Risk Manager

• Chartered Accountant/MBA with relevant experience
• Skills Required:
• - Proficiency of MS Excel is preferred.
• Job Responsibilities:
• A. Formulation and Assessment of Policies and Procedures:
• a. For business and volume Enhancement while maintaining an appropriate balance between risk involved and expected returns:

§ Formulation, assessment and implementation of risk policies & processes based on competition benchmarking, delinquency analysis, industry trends in line with the business requirements. 

• § Define & shape the customer experience, deliver new features and products. 
• § Interfacing with different internal departments for conceptualization, development and launch of programs. 
• b. In compliance with the laid down norms of regulatory authorities i.e Reserve Bank of India and National Housing Board:

§ Developing new alliance strategies, conceptualization with testing of business line products/services and controls to ensure compliance with regulators and attainment of desired business results.

• B. Portfolio Performance and Analysis
• a. Periodic Review of the portfolio on the multiple parameters to analyze and mitigate all the associated credit and operational risks.
• b. Develop data visualization & summarization techniques to convey key findings in dashboards and presentations to senior management.
• C. Process Digitization

a. Evaluation of internal control systems / procedures with a view to highlight the shortcomings and improvements in digital Process to streamline and create error free process flow. 

• b. Collaborate with the IT team, developers & Marketing team to ensure project execution.
• c. Formulate, organize and monitor inter-connected projects & Coordinate on cross-project activities. 
• d. Propose modification / redevelopment of strategies as required. 
• e. Research, learn and always remain updated on latest trends digital space and technical development and leverage these into the propositions and proposals.
• f. Understanding & creating the flow diagram for the product (s) life cycle
• D. Audit findings validation and updating policies:
• a. Internal Audit:
• § Drafting the master audit check list to be followed by the internal audit team.
• § Monitoring and analysis of the audit observations and re-developing the checklist basis the outcome.
• § System and Policy development and integration to resolve the audit observations and process enhancement.
• b. External Audit :
• § Continuously Interacting with external auditors for the resolution of queries raised.

§ System and Policy development and integration to resolve the audit observations and process enhancement.