AVP - Risk - Personal Loans - Mumbai - Lodha (I-Think Techno Campus) at Tata Capital

Thane, maharashtra, India -

Full Time

Start Date

Immediate

Expiry Date

19 Aug, 26

Salary

0.0

Posted On

21 May, 26

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Risk Assessment, Portfolio Risk Monitoring, Risk Mitigation, Credit Policy Development, Risk Governance, Portfolio Analytics, Regulatory Compliance, Risk Advisory, Underwriting, ECL Frameworks, Financial Analysis, Stakeholder Management

Industry

Financial Services

Description

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. Qualifications & Experience * Bachelor’s degree in Finance, Economics, Accounting, or related discipline; MBA / CA / CFA preferred. * 8–12 years of experience in Credit Risk / Product Risk within NBFCs, Banks, or Financial Institutions. * Strong exposure to multi-product credit portfolios and senior management risk forums. * Working knowledge of regulatory guidelines, credit risk models, and portfolio analytics.

Responsibilities

The role involves identifying and mitigating credit and portfolio risks for personal loans while ensuring alignment with approved risk appetite. It also requires monitoring portfolio performance, updating credit policies, and providing independent risk advisory to lending committees.