Associate, Credit Risk Manager, Risk Management Group
Core
Design, formulate, and lifecycle-manage credit policies, risk acceptance criteria, and underwriting guidelines for secured asset portfolios (Loan Against Property) to align portfolio growth with risk appetite and regulatory compliance.
Role type
Senior IC credit risk policy manager
Builds
Credit policy frameworks, risk acceptance criteria, and underwriting guidelines for secured lending portfolios
Domain
Banking / Consumer Finance / Credit Risk
Required skills
Credit policy architecture, Risk Acceptance Criteria calibration, Portfolio health tracking, Regulatory compliance (RBI), Credit risk modelling metrics (PD, LGD, EAD), Stakeholder management, Governance mindset
Preferred skills
FRM, CFA, Property valuation methodologies, Legal title checks, CERSAI regulations, Digital/phygital journey integration, Alternative scoring models
Technologies
One Risk Workbench (ORWB), IBPM workflows
Responsibilities
Own and update credit policies and underwriting guidelines for Prime Loan Against Property; Calibrate risk acceptance parameters based on macroeconomic trends and portfolio performance; Monitor portfolio metrics and manage action triggers; Collaborate on new product programs and digital integration; Ensure audit readiness and compliance with regulatory mandates.
Seniority
Senior, hands-on IC