Associate Vice President - Credit & Risk

JOB DESCRIPTION

Experience: 9 - 15 Yrs.

Location: Pune.

Designation: AVP Credit and Risk.

Job Summary:

- Responsible for overseeing the development, implementation, and management of the company's credit strategy, policies, and procedures.

- This role requires leadership and execution of the credit risk function to ensure the company's credit portfolio aligns with its business goals, risk appetite, and regulatory requirements.

- Overseeing the full credit management process, including underwriting, disbursal, and customer management, with a focus on portfolio analysis and continuous quality monitoring.

- Enhancing and refining the current credit underwriting framework.

- Conducting thorough loan opportunity analysis and providing regular feedback to Risk and Analytics teams to improve selection criteria and set appropriate limits.

- Will be accountable for managing and optimizing the credit portfolio.

- This includes overseeing the credit underwriting process, pricing models, and ensuring that all credit activities meet the company's standards and business objectives.

- Offering strategic insights to enhance customer acquisition strategies, credit-related initiatives, and process improvements.

- Leading and mentoring a team of dynamic, passionate professionals while fostering leadership development.

- Contributing to the integration of industry best practices and periodically revising credit risk policies and guidelines.

- Preparing and delivering monthly review presentations to Management, offering clear perspectives on business performance and anticipated challenges.

- Actively engaging in internal projects designed to improve credit process efficiency and effectiveness, supporting the achievement of key strategic objectives.

- Collaborating with verification and fraud prevention agencies to support informed decision-making.

- The candidate will report directly to the Head of Credit & Risk and will manage a team of underwriters.

Required Skills:

- CA/ MBA - Finance with min.

- 10 years of experience in Banks/ NBFC.

- Proven experience in Unsecured retail loans.

- Analytical bent of mind & strong judgmental attributes.

- Excellent Communication and negotiation skills.

- Enthusiastic and dedicated with strong leadership skills.