Senior Manager - Policy & Risk Analytics

We are seeking a highly experienced and analytical Senior Manager - Policy & Risk Analytics . In this pivotal role, you will be responsible for developing and refining credit policies for Home Loans and Loan Against Property (LAP). You will actively monitor portfolio quality, conduct essential training for business and credit teams, and drive the digitization of credit processes to build robust system capabilities for a seamless digital journey. Roles and Responsibilities: Responsible for writing and developing comprehensive credit policies specifically for Home Loans and Loan Against Property (LAP) products. Implement robust frameworks for the monitoring of portfolio quality , identifying trends, risks, and opportunities to ensure sound lending practices. Conduct engaging and informative trainings for business and credit teams on policy matters, ensuring clear understanding and consistent application. Lead initiatives for digitizing the credit processes , including identifying areas for automation, enhancing system capabilities, and contributing to the overall digital transformation journey. Collaborate with various stakeholders including business, credit, collections, product, operations, and compliance teams to ensure policy alignment and effective implementation. Analyze market trends, regulatory changes, and portfolio performance analytics to continually recommend policy enhancements. Contribute to setting up risk thresholds and program risk acceptance criteria for assigned products. Skills Requirement: Strong expertise in credit policy development and implementation for retail lending products, particularly Home Loans and LAP. In-depth understanding of portfolio quality monitoring techniques and early warning indicators. Proven ability to conduct effective training sessions on complex policy matters. Experience in digitizing credit processes and enhancing system capabilities for digital lending journeys. Excellent analytical skills for data-driven policy decisions and risk assessment. Strong knowledge of credit risk management principles and practices. Familiarity with regulatory guidelines related to housing finance and LAP. Exceptional communication and interpersonal skills for stakeholder collaboration. QUALIFICATION: Graduate / Post graduate