Team Member-Risk-HOUSING FINANCE-Risk
- Mumbai, Maharashtra
- Permanent
- Full-time
- Operate and maintain an effective risk management system by creating a robust risk framework which includes risk identification, assessment, mitigation, tracking and reporting
- Evaluate product/programs/policies in line with regulatory guidelines and build strong risk controls across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation, etc.)
- Assessment of scorecards and formulation of policies/ strategies basis scorecard
- Ensure credit policies align with business strategy and RBI regulatory norms.
- Conduct regular monitoring of portfolio KPIs: bounce rates, delinquency trends, and EWS.
- Build and monitor EWS dashboards to detect stress in mortgage portfolio.
- Use statistical tools (Excel, SQL, SAS, Python) for deep-dive analytics where needed.
- Support ICAAP, IRB and stress testing documentation as needed.
- MBA/ Postgraduate in Banking Industry.
- Certification in credit risk, data analytics, six sigma and FRM is an advantage.
- 7-8 years of experience in private banks or large sized housing finance companies. Experience in Legal/ Technical evaluation is an added advantage.
- Experience in implementing scorecard models in policy and credit decisioning process.
- Proficiency in data mining and using visualization tools will be an added advantage.
- Experience in implementing BRE and rule-based underwriting and enabling automation of credit checks.