Job Description:

 What you will work on:
● Oversee the company's credit policies, procedures, and processes for the Micro LAP business, focusing on
underwriting frameworks to address risks effectively.
● Develop and review Early Warning System (EWS) reports.
● Periodic review of portfolio in accordance with current Industry scenario and recent RBI Circular, making amendments
to Policy accordingly.
● Keeping a tab on external economic environment, regulatory policies and competition with a view to ensure strong
business growth.
● Ensuring system automation for improving team efficiency and productivity.
● Using data analytics to develop insights into credit risk trends, identify emerging risks, and optimize credit risk
management strategies.
● Ensure robust underwriting practices by setting up efficient workflows and processes for case evaluations.

The ideal candidate:
● Highly driven and motivated individual with ability to get hands-on where required.
● Ability to communicate, present and influence all levels of the organization, including executive and C-levels.
● Ability to motivate and develop a strong team.
● Problem solving approach.
● Strong business acumen.

Qualification and Experience
● 7- 15 years' experience required in the credit/risk department related to Micro LAP domain.
● CA/CFA qualification with relevant underwriting experience.
● Strong understanding of setting up processes, file work flow.
● Should have experience in nuances of real estate Pan India including at deep Geo level.
● Should have experience in managing and leading teams effectively.