 The candidate will be responsible for Product Risk Policy and processes for Educational
Loan and review of cases requiring risk approval
 Proactively monitoring of the portfolio and external environment to identify incipient
risks
 Close collaboration with business/credit/collection teams to roll out corrective actions
 This role will provide enriched learning in managing risk and has the potential to enable
accelerated career growth for the candidate

Key Accountabilities
 Roll out of Policy notes within defined timelines
 Maintaining health of portfolio within defined threshold
 Policy training to Credit team at defined frequency

Key Responsibilities
 Responsible for end-to-end risk management of EL Business
 Develop product risk policy framework, programs and devise risk strategy for business
 Competition tracking and building stronger proposition for the company
 Collaborate with external & internal partners for building risk solutions
 Tracking & monitoring of Education Loan portfolio to ensure good of portfolio health
 Preparation of risk dashboards/management presentations via collaborating with various
internal and external resources
 Appraise and provide risk views on Education Loan proposals requiring Risk approval

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 Identify key risks and mitigating factors of potential asset types and values, legal and
ownership structures, professional reputations, customer bases, or industry segments
 Recommend ways to control and reduce risk on stipulated processes and policies, advise
teams on business/operational matters
 Produce business-related information and reports or presentations that outline findings,
explain risk positions, and recommend changes periodically
 Coordination with designated managers of the partner and taking adequate risk policy
measures to provide required enablers

Required Experience

 10 - 12 years
 Should have first-hand experience of developing risk policy framework
 Experience in underwriting of Education Loan/Personal loan/LAP

Required Qualification
 CA or MBA (Finance) from premier institutes

Technical Competencies
 Good knowledge of computer applications
 Technology application to risk framework
 Analytical Skills

Behavioral Competencies
 Strategic Orientation
 Customer Centricity
 Execution Focus
 Collaborative Approach
 Innovative Mindset

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Personal Attributes
 Good Communication Skills
 Self-driven, Proactive and strong interpersonal skills
 Should be a team player
 Quick learner