Lead- Credit Approver

• Responsible for overall performance of the LAP portfolio, balancing growth with risk discipline
• Bouncing and delinquency management and ensuring Credit Cost for the product remain within budgeted numbers and are best in the industry
• Portfolio Monitoring & Asset Quality Management, including collateral quality and risk concentrations
• Preparation of Risk Decks and presenting the same to Senior Management
• Identifying business opportunities for risk-calibrated growth using historical portfolio trends and off-us data
• Formalizing sectoral risk appetite, understanding segment behavior and monitoring portfolio + new business inflow against the same
• Ensuring cross-functional collaboration across functions to build a strong and predictable book, including closely working with Sales, Credit, Legal, Technical, Collections, Litigation teams
• Carrying product and policy knowledge and being updated on industry level developments in the product, competition benchmarking and bringing that intelligence into our policies and processes
• Monitoring credit processes for ensuring strong verification processes & eligibility assessment methods
• Providing policy support to ensuring end-to-end automated/digital lending processes in the LOB
• Evaluating various partnerships, direct assignment and securitization transactions, including providing policy & risk related inputs and undertaking risk assessments as well as monitoring such portfolios
• Post disbursal monitoring including security documents, PDDs, ROC charge, CERSAI
• Ensuring compliance to regulatory guidelines and monitoring the same
• Hindsighting LAP loans, from credit/legal/collateral point of view to ensure compliance to laid down policies and processes
• Periodic revaluation of collaterals to assess security covers
• Managing the end-to-end Asset Held for Sale (AHS) process including security, maintenance, auction etc.
• Lead internal and external audits

Anticipate impact on business when driving decisions to balance risk/reward without compromising portfolio quality levels.