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Chief Risk Officer Full-time Job

1 year ago NBFC Mumbai   79 views
Job Details

Chief Risk Officer :As an owner of the Risk Management function, the incumbent in this role is expected to facilitate business growth and investor confidence by maintaining low NPAs & Delinquency while ensuring that business has the required liberty to grow in the horizon.Responsibilities :-

This is a strategic role. Incumbent shall be responsible for assessing risk on existing and new programs & offerings.-

Create a policy framework for :a. Extending credit | unsecured loans in an unsecured consumer lending environmentb. Underwriting the riskc. Compliance with the applicable statutes and regulatory frameworksd. Strong corporate governance -

Interact closely with various partner banks and NBFC to setup aligned policies to acquire customer and manage collections-

Deploy analytics to :a. Rate a new customerb. Define entitlementsc. Catch early warning signals for soon to be delinquent accountsd. Collection strategies across buckets-

Define procedures for underwriting policies, infrastructure, development & deployment of underwriting models, risk decision strategies and fraud detection-

Be involved in the full-life-cycle and straddle credit-and non-credit functions -

Work closely with core leadership team and lending partners in managing risk, return of the portfolio, defaults & collections-

Represent the company to the outside world, including lending partners, board of directors & other strategic alliances-

Oversee the Fraud aspect of customer selection in the end to end digital Journey-

Implement digital under-writing models-

The candidate shall be responsible for ensuring the overall quality of the lending portfolio by planning and directing all aspects of credit risk.-

This position will identify credit risk; assess enterprise effectiveness in managing these risks through appropriate internal controls; and build awareness as part of the leadership culture.-

Provide senior management advice on credit risk issues in strategic decision makingPerson Profile :-

Risk Head or Senior role in Fintech or Digital NBFC's with start-up experience-

At least 15 years- experience is must-

Strong retail product knowledge with focus on personal loans with strong policy knowledge of the unsecured loans-

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