Senior Manager - Credit Risk for Gold Loan

Senior Manager - Risk - Gold Loan - Mumbai - Lodha (I-Think Techno Campus)

Job Purpose
• Credit Policy design and governance for Gold Loan 
• Ensure trigger-based policy amendments.
• Credit & Risk process monitor
• Monitor portfolio health along with scorecard performance
• Lead BRE testing/implementation 
• Management Dashboards

Main Accountabilities
Policy Design & Portfolio Monitoring:
• Development, Implement and Review of Credit Risk Policy, Models & Associated Frameworks in an unsecured & secured rural/semi-urban and Urban lending context in coordination with other stakeholders 
• Maintain a robust Trigger Framework (e.g., delinquency, vintage loss, approval rate, fraud, DPD roll rates, GNPA/NNPA, EWS hits) and initiate policy amendments when thresholds are breached. 
• Drive periodic Policy Reviews (monthly/quarterly) based on performance analytics, market dynamics, and regulatory updates. 
• Ensure end-to-end documentation, version control, and timely communication to stakeholders. 
• Monitor portfolio performance: approval/decline mix, bounce trends, disbursal vintages, channel/segment performance, and EWS outcomes. 
• Conduct deep-dives on outliers (aggregator, geography, bureau profile, score bands, income proxies, employer tiers). 
• Recommend corrective actions (rule tuning, cut-off shifts, channel recalibration, pricing changes, limit reductions). 
• Monitor scorecard performance on monthly basis.
• Identify green shoots for business development.
• Analysis of sample delinquent cases to understand the trend and suggest corrective actions

BRE Testing & Rules Implementation: 
• Translate policy into BRE decisioning logic (eligibility, cut-offs, overrides, limits, pricing, fraud flags). 
• Lead UAT: test cases, edge scenarios, regression, and sign-offs; maintain rule books and test evidence. 
• Coordinate with Product, Tech, Data Science for deployments; track post release performance and rollback criteria.

Aggregator Engagement, Governance & Training to Credit/ Business/ Product: : 
• Conduct regular market visits to aggregators/ Channel Partners / locations to review funnel metrics, compliance adherence, data quality, and process execution. 
• Conduct training, Policy test and policy walkthroughs; establish corrective action plans and timelines for Credit/ Business and Product teams.

Dashboards & Analytics:
• Ensure monthly data accuracy checks using Tableau dashboards. 
• Recommend new data points or dashboards to Data Science/IT teams and oversee final dashboard preparation. 
• Deliver actionable insights through data analytics to support evidence-based policy decisions. 
• Prepare and maintain dashboards for senior management reviews and strategic meetings. 
• Drive automation and cost-efficiency in credit processes through continuous improvement initiatives. 
• Monitor and report Credit Cost and GNPA reduction trends to support product-level profitability analysis. 
• Ensure data integrity and consistency across reporting platforms (e.g., Tableau, MIS tools)

Qualifications & Experience CA/ MBA-Finance with 3-4 years of Risk experience in Gold Loan (additional experience of MFB Risk or underwriting would be preferred)