Sr Manager / AVP Operations

As the Sr Manager / AVP Operations at Revfin, you will play a pivotal role in shaping and executing the credit strategy of the organization.

Key Responsibilities:

Credit Strategy and Policy Development

• Develop, review, and implement comprehensive credit policies and strategies aligned to the organisational business goal and risk appetite.
• Ensure alignment of credit policies with regulatory guidelines and industry best practices.
• Assess and manage credit risk associated with lending activities, including evaluating borrower creditworthiness, collateral assessment, and industry risk analysis.
• Implement risk management practices, risk analytics and models to optimize the balance between risk and reward.

Underwriting

• Develop, review, and update underwriting policies and guidelines in alignment with industry best practices and regulatory requirements.
• Ensure consistent yet customised application of underwriting standards across the organization for different kind of lending products.
• Oversee the evaluation of loan or insurance applications to determine risk and make informed underwriting decisions.
• Develop and implement risk assessment models, ensuring accuracy and relevance.

Portfolio Management and Regulatory Adherence

• Monitor the overall health of the credit portfolio, identifying trends, and making strategic recommendations to optimize portfolio performance.
• Implement strategies to address and mitigate portfolio risks.
• Keep track of changes in financial regulations and ensure that credit operations of the organisation comply with relevant laws and regulations.
• Work closely with the compliance team to address any regulatory issues promptly.

Process Optimization

• Continuously evaluate and enhance credit application, approval, and monitoring processes for efficiency and effectiveness.
• Integrate technology solutions and automation to streamline credit operations.

Reporting and Analysis

• Prepare and present regular reports on credit portfolio performance, delinquency rates, and other key credit metrics to investors.
• Conduct in-depth analysis to identify emerging risks and opportunities for improvement.

Qualifications and Skills:

• 10+ years of relevant experience in credit risk, underwriting, risk analytics with at least 3 years of experience in leading credit management function within an NBFC or financial institutions.
• Strong analytical and quantitative skills with hands on experience in risk modelling and data analysis
• In depth knowledge of regulatory frameworks and compliance requirement in Indian financial sector
• Familiarity with technology solutions and data analytics in credit decision-making.
• Excellent communication and interpersonal skills.