Assistant Vice President - Risk - MFB - Mumbai - Lodha (I-Think Techno Campus)

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    "ShortDescriptionStr": "•\tCredit Policy design and governance for Education Loan / PL/ BL / MFI / LAP/ TW/ UCL \n•\tEnsure trigger-based policy amendments.\n•\tMonitor portfolio health along with scorecard performance.\n•\tLead BRE testing/implementation \n•\tManagement Dashboards",
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    "ExternalDescriptionStr": "<table>\n <tbody>\n  <tr>\n   <td>\n    <p><span><strong>Policy Design &amp; Portfolio Monitoring</strong>:</span></p>\n    <ul>\n     <li><span>Development, Implement and Review&nbsp;of Credit Risk Policy, Models &amp; Associated Frameworks&nbsp;in an unsecured &amp; secured rural/semi-urban and Urban lending context in coordination with other stakeholders&nbsp;</span></li>\n     <li><span>Maintain a robust Trigger Framework (e.g., delinquency, vintage loss, approval rate, fraud, DPD roll rates, GNPA/NNPA, EWS hits) and initiate policy amendments when thresholds are breached.&nbsp;</span></li>\n     <li><span>Drive periodic Policy Reviews (monthly/quarterly) based on performance analytics, market dynamics, and regulatory updates.&nbsp;</span></li>\n     <li><span>Ensure end-to-end documentation, version control, and timely communication to stakeholders.&nbsp;</span></li>\n     <li><span>Monitor portfolio performance: approval/decline mix, bounce trends, disbursal vintages, channel/segment performance, and EWS outcomes.&nbsp;</span></li>\n     <li><span>Conduct deep-dives on outliers (aggregator, geography, bureau profile, score bands, income proxies, employer tiers).&nbsp;</span></li>\n     <li><span>Recommend corrective actions (rule tuning, cut-off shifts, channel recalibration, pricing changes, limit reductions).&nbsp;</span></li>\n     <li><span>Monitor scorecard performance on monthly basis.</span></li>\n     <li><span>Identify green shoots for business development.</span></li>\n     <li><span>Analysis of sample delinquent cases to understand the trend and suggest corrective actions</span></li>\n     <li><span>Translate policy into BRE decisioning logic (eligibility, cut-offs, overrides, limits, pricing, fraud flags).&nbsp;</span></li>\n     <li><span>Lead UAT: test cases, edge scenarios, regression, and sign-offs; maintain rule books and test evidence.&nbsp;</span></li>\n     <li><span>Coordinate with Product, Tech, Data Science for deployments; track post‑release performance and rollback criteria.&nbsp;</span></li>\n     <li><span>Conduct regular market visits to aggregators/ Channel Partners / locations to review funnel metrics, compliance adherence, data quality, and process execution.&nbsp;</span></li>\n     <li><span>Conduct training, Policy test and policy walkthroughs; establish corrective action plans and timelines for Credit/ Business and Product teams.&nbsp;</span></li>\n     <li><span>Ensure monthly data accuracy checks using Tableau dashboards.&nbsp;</span></li>\n     <li><span>Recommend new data points or dashboards to Data Science/IT teams and oversee final dashboard preparation.&nbsp;</span></li>\n     <li><span>Deliver actionable insights through data analytics to support evidence-based policy decisions.&nbsp;</span></li>\n     <li><span>Prepare and maintain dashboards for senior management reviews and strategic meetings.&nbsp;</span></li>\n     <li><span>Drive automation and cost-efficiency in credit processes through continuous improvement initiatives.&nbsp;</span></li>\n     <li><span>Monitor and report Credit Cost and GNPA reduction trends to support product-level profitability analysis.&nbsp;</span></li>\n     <li><span>Ensure data integrity and consistency across reporting platforms (e.g., Tableau, MIS tools)</span></li>\n    </ul>\n    <p><span><strong>BRE Testing &amp; Rules Implementation</strong>:&nbsp;</span></p>\n    <ul>\n     <li><span>Translate policy into BRE decisioning logic (eligibility, cut-offs, overrides, limits, pricing, fraud flags).&nbsp;</span></li>\n     <li><span>Lead UAT: test cases, edge scenarios, regression, and sign-offs; maintain rule books and test evidence.&nbsp;</span></li>\n     <li><span>Coordinate with Product, Tech, Data Science for deployments; track post‑release performance and rollback criteria.&nbsp;</span></li>\n    </ul>\n    <p><span><strong>Aggregator Engagement, Governance &amp; Training to Credit/ Business/ Product:</strong></span></p>\n    <ul>\n     <li><span>Conduct regular market visits to aggregators/ Channel Partners / locations to review funnel metrics, compliance adherence, data quality, and process execution.&nbsp;</span></li>\n     <li><span>Conduct training, Policy test and policy walkthroughs; establish corrective action plans and timelines for Credit/ Business and Product teams.&nbsp;</span></li>\n    </ul>\n    <p><span><strong>Dashboards &amp; 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