Risk Lead - Unsecured Loans

Role/ Job Title:Risk Lead (Multi Product)

Function/ Department:IRetail Business Risk

Job Purpose:

The personal must work to create the policies for multiple products and monitor the portfolio sourced.

Roles & Responsibilities:

• Evaluate Product programs/Policies in line with regulatory guidelines and build strong controls to mitigate risks across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation etc.).
• Monitor portfolio delinquencies at a micro level, identification of segments, locations and profiles which are delinquent.
• Assure adherence to the guidelines set by the bank.
• Facilitate implementation of technological interventions like scorecards, digital journeys, and automation to streamline processes.
• Shape the risk appetite of the product in line with growth objectives and Risk Appetite framework of the bank alongside risk-based pricing.
• Use analytics for tracking portfolio performance trends.
• Serve as a policy expert and conduct training when needed.
• Prepare monthly newsletter - snapshot of Portfolio performance, monthly acquisition trend, quality of portfolio and trigger monitoring.
• Capture and share best- practice knowledge amongst the team.
• Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service.
• Leverage in-house synergies through collaboration with internal stakeholders.
• Keep abreast of 4global market trends and competitor strategies in key markets.