The Senior Risk Manager– Commercial Vehicles is responsible for evaluating and managing risk across the Commercial Vehicle loan portfolio within the Retail Banking business. Based in Mumbai, the role focuses on policy formulation, portfolio monitoring, risk mitigation, and the implementation of digital tools to enhance efficiency. The incumbent will work closely with cross-functional teams to ensure alignment with the Bank’s risk appetite and business growth objectives.
Primary Responsibilities
Evaluate Commercial Vehicle loan programs and policies in line with regulatory guidelines.
Establish strong controls to mitigate risks across onboarding, credit, operations, fraud, and reputation.
Monitor portfolio delinquencies at a granular level, identifying high-risk segments, locations, and customer profiles.
Ensure adherence to internal guidelines and regulatory standards.
Facilitate the implementation of technological interventions such as scorecards, digital journeys, and automation to streamline processes.
Define and shape the risk appetite for the product in alignment with business growth objectives and the Bank’s Risk Appetite Framework, including risk-based pricing.
Use analytics to track portfolio performance trends and identify actionable insights.
Serve as a policy expert and conduct training sessions as required.
Partner with underwriting, sales, and product teams to incorporate market feedback into proactive policy actions.
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