Credit Risk And Policy

Job Title - Head - SME Credit Risk and Policy

Job Summary

We are seeking an experienced and strategic risk professional to lead Credit Risk, Policy Risk, Portfolio Risk, and Risk Framework initiatives within the SME lending vertical. The role involves overseeing risk strategy, credit policy governance, risk analytics, and end-to-end process enhancements to ensure sustainable and profitable growth in the SME segment.

Key Responsibilities:

Policy Risk & Risk Framework

• Define risk and monitor the formulation, review, and evaluation of credit policies in coordination with Credit and Business teams.
• Conduct portfolio analysis to identify key risk and mitigation strategies
• Tracking portfolio triggers (thresholds/ breach), risk appetite level, NPA/write off trends, quality of static asset pool, early risk, non-starter trend and taking corrective actions thereof.
• Policy formulation and implementation of credit risk policy framework for new product / program launch within risk appetite of the bank and its subsequent review / amendment
• Present finalized policies to the Chief Risk Officer (CRO) for approval.
• Ensure policies are aligned with regulatory guidelines and setup risk appetite for each product
• Maintain comprehensive documentation and version control of all policy changes.
• Develop and publish Portfolio Quality Reports (PQRs) to track and monitor asset quality.
• Lead portfolio performance reviews with the CRO and relevant stakeholders.
• Conduct stress testing and identify early warning signals through data-driven insights.
• Provide oversight on credit decisions, sectoral risk appetite, and underwriting frameworks.
• Lead discussions on segment-specific credit strategies and risk-return trade-offs.
• Conducting periodical portfolio review with stakeholders & management and taking corrective policy actions.
• Identifying Risk and Opportunities for the business: Peer/ industry benchmarking and policy/ product innovation through localized and segment specific norms.

Credit Process Review & Governance

• Conduct end-to-end credit process reviews to ensure risk controls, operational efficiency, and regulatory compliance.

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• Undertake location visits as part of credit process validations and risk assessments.
• Recommend process improvements based on field insights and best practices.

Other Projects & Cross-functional Initiatives

• Drive cross-functional initiatives with Business and Credit teams related to risk and policy integration in technology platforms.
• Collaborate with product, operations, and technology for seamless implementation of risk policies across systems.

Key Requirements

• Qualified Chartered Accountant or Postgraduate in Finance, Economics, Statistics, or MBA
• FRM, CFA, or other relevant professional certifications as an advantage
• 12-15 years of experience in Credit Risk, Policy Risk, Portfolio Risk in SME lending, preferably in a bank, NBFC, or fintech.