ROLE OBJECTIVE

The incumbent will be responsible for supporting the Risk Management function in rolling out new and revised credit policy guidelines & risk appetite for flow and bulk MG business. He / she would also be handling various risk function related activities during new lender onboarding. He / she would also help in implementation and monitoring of rolled out policy during the underwrite process of MG approvals and provide support to underwriters in policy related clarification, improve credit norms through regular training on a regular basis. He/She would also work closely with Quality Assurance, Automation and Analytics units of Risk Management function as part of deliverables.

KEY RESPONSIBILITIES

• Responsible for assisting policy head in developing, implementing and monitoring credit norms for various products of mortgage guarantee, incorporate variation in underwriting guidelines for product and lender segment strategies, develop norms for legal and technical nuances of different states, identify risk and opportunities & keep a tap on external product and policy development across lenders
• Responsible for handling various risk function related activities during new lender onboarding. This will include lender meetings and close interaction with product & business development units
• Responsible for providing regular training to underwriters & CPA resources
• Responsible for providing policy related clarification & support to underwriters
• Responsible for process improvement through policy implementation
• Assist Policy Head in portfolio monitoring and evaluation/implementation of inputs from quality assurance on regular intervals

SKILLS

Domain/Technical Knowledge

• At least 8-10 years working experience with HFC/Bank in mortgage lending segment (housing loan, loan against property) in credit policy/credit underwriting
• Experience in quality assurance, data analytics and reporting would be added advantage

Behavioral/Others

• Strong organizational skills with ability to manage multiple priorities
• Proven time management proficiency
• High energy levels, “Can Do” attitude and works well under pressure to meet deadlines
• Proven ability to work in teams with strong interpersonal skills and manage projects and deliver business results in a rapidly changing and cross-functional matrix environment
• Resourceful, pragmatic and realistic approach to analysis with limited data and time
• Strong communication skills for interactions with both internal and external stakeholders (including lender partners)

EDUCATION

C.A. / Masters, or equivalent degree in Finance, Economics, Mathematics, Commerce, etc.

EXPERIENCE

Minimum 8-10 years working with mortgage lending, retail lending institutions. Worked as Credit/ Risk specialist in Mortgages. Incumbent having worked for more than one geographical region will be preferred.