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Risk Lead - Unsecured Loans @ Idfc First Bank

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 Risk Lead - Unsecured Loans

Job Description

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.

Job Classification

Industry: Banking
Functional Area / Department: Data Science & Analytics
Role Category: Business Intelligence & Analytics
Role: Business Intelligence & Analytics - Other
Employement Type: Full time

Contact Details:

Company: Idfc First Bank
Location(s): Mumbai

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Keyskills:   Risk Analytics Data Science Data Analytics

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Idfc First Bank

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