Risk Head

- Head of Risk

Job Role: Head of Risk

Department: Risk

Location: Bangalore HO

Reporting To: Chief Risk Officer

Grade: V25/V26

Job Purpose

To support the Chief Risk Officer in developing and implementing a robust risk management framework across LAP, Housing Loans, Gold Loans, MSME Loans and other lending products while ensuring effective identification, monitoring and mitigation of risks.

1. Portfolio Analysis:

• Monthly Monitoring and analysis of Bounce trend for different parameters.
• Portfolio Analysis on movement of PAR, NPA on monthly basis
• Portfolio Analysis of critical policy parameters on monthly basis and develop action plans for policy updations.
• Develop Early warning signal mechanisms.

2. Fraud Risk Management :

• Handle Fraud Risk Management activities.
• Conduct discreet checks
• Handle RCU Team for Risk checks and maintain TAT

3. Credit Risk Management

• Manage the policy related responsibilities
• Manage Business rule engine and system related updations
• Deviation analysis w.r.t portfolio parameters

4. Other Responsibilities

• Support Chief Risk Officer in Risk committee meeting presentations.
• Manage the team members effectively.

• Job Requirements
• Qualification: Graduate; MBA/CA/CFA/FRM preferred
• Experience: 15-20 years in NBFC, HFC, Banking or Retail Lending Risk Management
• Functional Competencies: ERM, Credit Risk, Portfolio Analytics, Risk Modelling, Regulatory Compliance