Godrej Capital - Lead - Risk Policy - Affordable Housing

Job location: [{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"Mumbai","addressCountry":"IN"}}] Work arrangement: Employment type: FULL_TIME Salary: "" Experience requirements: {"monthsOfExperience":132,"educational":{"credentialCategory":"bachelor degree"}} Education requirements: "" Job Purpose: Lead the Credit Policy and Risk function for Affordable housing, driving strategic enhancements in product policies, process improvements, and technology initiatives. Act as a key influencer across departments to ensure robust risk management aligned with business growth. Key Responsibilities: Credit Policy: - Independently manage and continuously enhance credit policies, balancing business needs with risk appetite. - Conduct market studies and peer benchmarking to integrate best practices into product policies. - Provide timely guidance and responses to policy queries to support business decisions and foster a strong risk culture. - Engage with senior and top management to present policy updates, portfolio insights, and innovative risk strategies. Stakeholder Collaboration: - Offer ongoing feedback to Business, Analytics, Technology, Operations, and Credit teams to support product innovation and market responsiveness. - Disseminate policies effectively through training, knowledge tools, and clear communication to all relevant stakeholders. Portfolio Monitoring & Risk Analytics: - Develop and maintain dashboards to monitor key risk indicators and portfolio health. - Conduct real-time transaction monitoring to ensure policy compliance and uphold risk standards. - Provide analytical insights to maintain portfolio quality and preempt emerging risks. Qualifications & Experience: - Education: CA / MBA (mandatory). - Experience: 4 - 5 years in Retail Lending Risk, with strong exposure to Mortgages preferably in Micro LAP, affordable housing, Small-ticket LAP, Affordable LAP. - Exposure to Micro CF will be an added advantage.