Senior Manager - Personal Loan Risk Management

Main Accountabilities

1. Product & Credit Risk Assessment

• Identify key credit, structural, and portfolio risks and recommend appropriate mitigants.
• Ensure consistency of risk assessment with approved credit policies and risk appetite.
• Provide independent, well-documented risk views for proposals presented to lending / sanctioning committees.

2. Portfolio Risk Monitoring & Analysis

• Monitor portfolio performance, concentration risks, early warning indicators, and emerging risk trends across products.
• Conduct periodic portfolio reviews to identify stress pockets and improvement opportunities.
• Support senior management reviews on large exposures, sectoral risks, and product-wise portfolio performance.
• Recommend proactive risk mitigation actions based on portfolio insights.

3. Risk Mitigation & Threshold Framework

• Support definition and monitoring of product-wise and segment-wise risk thresholds including exposure limits, borrower caps, ticket sizes, and customer categories.
• Track adherence to approved thresholds and escalate deviations with appropriate recommendations.
• Work closely with business teams to balance risk prudence with sustainable growth.

4. Credit Policy & Product Governance

• Assist in formulation, review, and periodic update of Credit Risk Policies and Delegation of Authorities.
• Support development and rollout of credit policies for new products and enhancement of existing products.
• Ensure alignment of product structures, underwriting parameters, and credit decisioning with policy intent.
• Review product- and segment-wise risk segmentation to support portfolio monitoring and ECL frameworks.

5. Risk Advisory & Committee Support

• Provide timely and independent risk advisory to various lending committees.
• Ensure adherence to defined TATs for risk review, documentation, and committee submissions.
• Support preparation of risk notes, portfolio insights, and decision support material for senior forums.

6. Risk Culture & Capability Building

• Promote a strong risk culture through consistent application of risk frameworks and policies.
• Stay abreast of regulatory changes, industry trends, and market developments impacting product risk.
• Participate in learning initiatives to strengthen product and credit risk capabilities.