Chief Risk Officer - Home Finance (12-16 yrs)

Job Title - Lead Risk

Reporting to - CEO

Job Band - Upper Management

Education Qualification - Bachelor's/Master's Degree

Experience - 12+ Years

Job Responsibilities :

- Preparing credit and risk policy framework

- Compliance with statutory norms of NHB for Home Finance Company Ltd

- Risk analytics

- Regulatory & Audit Compliance.

- Presentation of monthly risk updates to Risk Oversight Committee.

- Design the policies, procedures, and processes ensuring appropriate mitigation of the risks inherent in all processes and product offerings.

- Monitoring of Portfolio across the products at Macro and Micro levels and report it to the Top Management along with exceptions

- Establishing robust monitoring mechanism such as Early Warning Signals, Real time monitoring, Risk Containment unit, etc.

- Ensure timely and accurate reporting of information to the relevant stakeholders (which includes Top Management, Regulators, Rating Agencies)

- Identify known and emerging risks, measuring, monitoring and reporting on companies' risk profile to the Executive Leadership Team

- Evaluate proposals of finance by Risk Analytics and key policy making.

- Establish a system for sourcing of transactions that fit into the credit lending philosophy of the company.

- Work along with Business teams to ensure proper formulation, fitments, structuring, pricing and execution of transactions based on specific client requirements, regulatory framework.

- Keeping abreast of all regulatory and economic developments taking place in the sector and establish a system to record the same and spread knowledge/information within the organization in a systematic manner.

- Also responsible for finalizing policies and setting up processes for quality underwriting.