Credit Policy & risk Strategy Manager

Mumbai - India

Monthly Salary: Not Disclosed

Posted on: 15 hours ago

Vacancies: 1 Vacancy

Job Summary

Job Description:

1. Credit Policy Design & Governance

Develop and periodically review credit policies underwriting guidelines and risk frameworks for retail MSME and priority sector lending
Define risk categories / score bands and corresponding:
Eligibility criteria
Maximum loan amount
Tenure and pricing caps
Collateral / guarantee requirements
Align credit policies with board-approved risk appetite statement

2. Risk Segmentation & Lending Rules

Design risk-based decision rules for loan approval rejection downgrade or referral
Define loan-to-income FOIR exposure caps and sector-wise limits
Establish product-wise and geography-wise risk matrices
Recommend policy overrides and exception handling frameworks

3. Underwriting & Portfolio Strategy

Set underwriting cut-offs based on:
Credit bureau scores
Income assessment models
Banking behaviour and transaction data
Monitor portfolio performance across risk bands
Identify early warning indicators and recommend policy tightening or relaxation

4. Regulatory & Compliance Alignment

Ensure full compliance with RBI guidelines internal audit requirements and statutory norms
Incorporate regulatory changes into credit policies in a timely manner
Support internal RBI and statutory audits related to credit policy and risk frameworks

Job Description: 1. Credit Policy Design & Governance Develop and periodically review credit policies underwriting guidelines and risk frameworks for retail MSME and priority sector lending Define risk categories / score bands and corresponding: Eligibility criteria Maximum loan amount ...