Key Responsibilities:

 

The role requires to process, implement and develop risk strategies for Home loan & Loan Against Property businesses Operate and maintain an effective risk management system by creating a robust risk framework which includes risk identification, assessment, mitigation, tracking and reporting Evaluate product/programs/policies in line with regulatory guidelines and build strong risk controls across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation, etc.) Assessment of scorecards and formulation of policies/ strategies basis scorecard Ensure credit policies align with business strategy and RBI regulatory norms. Conduct regular monitoring of portfolio KPIs: bounce rates, delinquency trends, and EWS. Build and monitor EWS dashboards to detect stress in mortgage portfolio. Use statistical tools (Excel, SQL, SAS, Python) for deep-dive analytics where needed. Support ICAAP, IRB and stress testing documentation as needed.