Head - Risk & Policy - Unsecured Business Loans

Key Responsibilities:

Risk Framework & Governance:

- Define and maintain the risk appetite framework for unsecured business lending.

- Establish governance structures, escalation protocols, and committee processes for risk oversight.

- Ensure full compliance with RBI, regulatory, and internal audit requirements.

Regularly review and update policies in line with changing business, regulatory, and market conditions.

Policy Management:

- Develop and implement lending policies, risk acceptance criteria, and operating procedures.

- Standardize policy documentation across origination, servicing, collections, and recovery.

- Drive consistency in risk assessment and decision-making across geographies and channels.

Risk Monitoring & Controls:

- Oversee portfolio monitoring frameworks, early warning indicators, and stress testing.

- Ensure risk dashboards, KRIs, and governance reports are timely and accurate.

- Identify policy breaches or exceptions and ensure remediation through proper controls.

Stakeholder & Cross-functional Alignment:

- Partner with product, operations, and technology teams to embed risk and compliance checks into business processes.

- Represent risk and policy perspectives in management committees and board discussions.

- Liaise with regulators, auditors, and external stakeholders on risk and policy matters.

Leadership:

- Lead a specialist team of policy, governance, and risk professionals.

- Build organizational capability in risk governance and policy frameworks.