Head , Risk Analytics , Retail Lending Portfolio

  • 14-20 yrs
  • Not Disclosed

Job Description

, To ensure that the shape and quality of the Retail Lending Portfolio is in line with the retail company strategy, This is a team lead role. Expected to be involved in , portfolio analytics to understand key risk trends and suggest inputs for Credit Policy changes, model development (application , behaviour scorecards), stress testing, loss forecasting. On a need basis occasionally the person might need to get involved in other areas as well like regulatory requirements, To ensure policy decisions help create the right target portfolio, meet group and regulatory requirements. These should be streamlined to ensure effective and high quality risk assessment., To provide data , Analytical , Scoring support to all stakeholders in enabling right decision making at all levels and be able to communicate analytical output to stakeholders in a clear concise mannerKey Roles and Responsibilities :, Educate, influence, and collaborate with key leaders,stakeholders to identify opportunities for growth and profitability through analytical insight, To provide analytics support to enable policy decisions to grow , reduce the business in line with the business, Risk Appetite and target portfolio., To translate the policies into the right underwriting standards and ensure that the end,to,end customer lifecycle performance (from underwriting through to collections and recoveries) is in line with expectations., To monitor the health of the portfolio in terms of both long term vintage performance and loss forecasting., Active participation in the prioritisation of credit risk scorecards as per the retail client strategy, To collaborate and work closely with Group Scoring team to ensure timely completion and implementation of credit risk scorecards. To drive continuous improvement in cost, quality and speed of the output., Ensure the upgrading the analytical abilities in the credit space (including system and people capability)., Reviewing the credit scorecards,risk segmentation criteria to evaluate if they remain predictive of risk, Present data analysis findings in a clear and concise manner and offer recommendations based on key insights uncovered