Lead – Risk (Affordable Mortgages)

Lead – Risk (Affordable Mortgages) Grade: L2 –Manager Reporting to: Head – Risk (Secured Lending) Location: Head Office Function: Risk Job Purpose Lead the Credit Policy and Risk function for Mortgages, 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 Affordable Mortgages Preferred Background: Manager in a reputed HFC, Bank. Skills & Competencies Strong analytical, influencing, and collaborative skills Excellent oral and written communication Strategic mindset with hands-on execution capability Proficient in Microsoft Office (Excel, Word, PowerPoint); SQL knowledge is a plus Deep understanding of retail lending processes, documentation, and ris

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