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National Head, Risk - B2B business

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  • Banking & Finance
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Job Details

1. Consumer Durable, Life style Finance, Digital and DDF Establish and maintain relevant credit policies, risk monitoring structure and portfolio quality standards for CD, LSF and Digital. Managing loss rates within budget and Working closely with FCU to minimize fraud risk Ensure continuous improvement/enhancement to systems (SFDC & Finnone) platforms by identifying gaps proactively. Building framework to continuously assess and evaluate system capabilities to eliminate operational loss Monthly interaction & feedback mechanism with collection team to get ground level feedback on market/portfolio Support business in various initiatives and promotions by enabling business growth. Drive continuous improvements in analytics capabilities and enhancements in the use of risk models & analytics tools2. Working capital finance- Trade advance, Retailer Finance and Advance card receivables. Responsible for formulating, implementation/dissemination & adherence of risk policy for the above working capital products for all consumer businesses ( CD , LSF, REMI, DIGITAL). Travel to locations to understand market and refine and upgrade policy as per market requirement and after risk assessment Managing distribution risk Basic qualifications? Should have minimum 12-15 years of experience in lending business with specific experience in retail consumer finance. Experience in secured lending would be an added advantage? Excellent Team Management & Interpersonal Skills.? All-round understanding of consumer loan products and credit cycle management framework, including product structure/ packaging, regulatory requirements, consumer lending business & market dynamics, key risk & revenue drivers, product profitability, performance analysis? Should have excellent communication skills along with strong presentation and data analytics skills.
Degree: M.Com. (Commerce) | M.Pharm. (Pharmacy) | M.Sc. (Science) | MA (Arts) | MBA/ PGDM | MCA/ PGDCA

Additional Degree: BA (Arts) | B.Com. (Commerce) | B.Pharm. (Pharmacy) | B.Plan. (Planning) | B.Sc. (Science) | BBA/ BBM/ BBS | BCA (Computer Application) | Diploma-Other Diploma | B.Ed. (Education) | BHM (Hotel Management)

Experience: 12-15


Banking -General | Personal/ Retail Banking | Portfolio/Fund Mgmt | Risk/Credit/Economic Analyst
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