CA Fresher - Risk & Policy (Personal Loan/ CVCE/ Mortgages)

Role & Responsibilities :

• Formulation & implementation of credit policy framework for Housing Loan product within regulatory guidance & risk appetite of the bank.
• Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool.
• Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders.
• Ensuring process & underwriting efficiencies through tech initiatives/digitalization.
• Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance.
• Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms.
• Support system changes to improve quality of data and ease of processes.
• Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews.
• Ensuring adherence to Internal audit/RCSA/regulatory/compliance observations for process/policy improvement.
• Preparation of monthly newsletters and MIS.