Risk Policy Manager

Role & responsibilities

1. Credit Policy Formulation and Review

• Develop and implement credit policies for Home Loan and LAP products
• Design geography-based credit policies based on risk assessment, portfolio trends, and local market dynamics
• Ensure policy alignment with company risk appetite and business strategy
• Periodically review and update policies based on portfolio performance, risk trends, and market conditions

2. Policy Amendment and Governance

• Initiate and implement policy amendments based on:
• Portfolio performance trends
• Risk indicators and hindsight analysis
• Regulatory guidelines
• Business requirements
• Maintain policy documentation and version control
• Ensure proper approval and governance for policy changes

3. Business Rule Engine (BRE) and Portfolio Controls

• Manage and implement policy rules through Business Rule Engine (BRE)
• Translate credit policy into BRE logic for automated decision-making
• Continuously optimize BRE rules to control risk and improve portfolio quality
• 
  Monitor effectiveness of BRE rules and recommend enhancements

4. Geography-Based Risk Assessment

• Analyze portfolio performance across geographies, branches, and sourcing channels
• Identify high-risk and low-risk geographies
• Develop differentiated policy norms based on geography risk profiles
• Recommend entry, exit, or restriction strategies for geographies

5. Portfolio Monitoring and Risk Feedback

• Conduct periodic portfolio analysis including:
• Delinquency trends
• Bounce trends
• NPA trends
• Segment-wise risk analysis
• Provide feedback to Business, Credit, and Risk teams
• Recommend corrective actions and policy tightening/relaxation

6. Stakeholder Management

• Work closely with:
• Credit Underwriting Team
• Risk Management Team
• Business Teams

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• Operations Team
• IT / BRE Team
• Act as key link between Risk and Business

7. Regulatory Compliance

• Ensure credit policies comply with RBI and NHB guidelines
• Support regulatory and internal audits
• Provide required policy-related data and clarifications

Preferred candidate profile

Education

• MBA Finance / PGDM Finance (Preferred)
• CA preferred

Mandatory Skill Requirements

• Strong understanding of Home Loan and LAP underwriting
• Experience in credit policy formulation
• Experience in geography-based policy design
• Experience working with Business Rule Engine (BRE)
• Strong portfolio analytics skills
• Strong understanding of risk and underwriting parameters