Sr Associate – Risk & Policy-SME & CIF

Job description

### **Job Description:** **Designation:** Senior Associate – Risk & Policy (LAP) **Band:** Band 3 **Department:** CRO Unit **Reporting To:** Lead – Risk & Policy (SME & CIF) **Location:** Corporate Office, New Delhi #### **Role Purpose** To drive policy formulation, risk management, and portfolio governance for the Loan Against Property (LAP) business, ensuring profitable growth while maintaining portfolio quality and regulatory compliance. #### **Key Responsibilities** - Design, review, and implement LAP credit policies and process enhancements. - Manage collateral and property funding policies, risk controls, and approval matrices. - Develop policy frameworks for new products, programs, and partnerships. - Monitor portfolio trends, sourcing quality, deviations, and underwriting performance to refine risk policies. - Collaborate with Business, Credit, Operations, Product, Compliance, and Risk teams to strengthen underwriting and decision-making frameworks. - Track industry trends, competitive practices, and regulatory developments to enhance policy effectiveness. - Support digital lending initiatives and provide policy guidance across stakeholders. - Drive risk-calibrated growth initiatives while safeguarding portfolio quality. #### **Eligibility** **Education:** MBA / CA / Master's Degree **Experience:** 7–10 years in Risk Management/Credit Policy, with mandatory experience in LAP policy and risk management. #### **Key Skills** - Strong understanding of LAP products, underwriting, collateral assessment, and risk management. - Experience in credit policy formulation, documentation, and governance. - Knowledge of NBFC/Banking industry practices and regulatory requirements. - Proficiency in MS Excel, Word, and PowerPoint; working knowledge of data analytics. - Strong communication, stakeholder management, analytical thinking, and ownership mindset. Job Snapshot Updated Date 21-07-2026 Job ID JOB\\_2298 Department CRO Unit Location Corporate Office - Vasant Vihar - I, New Delhi, Delhi, India Employee Type Permanent Employee Sub Type Probationer