About the role
Job Purpose To drive sustainable Gold Loan business growth by developing and managing risk policies, ensuring portfolio quality, operational excellence, and regulatory compliance. Duties and Responsibilities ? Responsible for formulating, implementation/dissemination & adherence of risk policy for Gold loan. ? Working closely with product team tweaking policy as per market requirement ? Travel to locations to understand market and refine and upgrade policy as per market requirement and after risk assessment ? Portfolio risk monitoring & management & Maintaining loss rates within budget ? Monthly loss estimation and calculation. ? Defining various risk metrics and monitoring them and publishing to enable senior management to take various strategic decisions ? Define and ensuring adherence of acquisition processes for frontend, operations process for operations ? Building framework to continuously assess and evaluate system capabilities to eliminate operational loss ? Support business in various initiatives and promotions by enabling business growth and maintaining portfolio quality ? Regulatory compliance and adherence. ? Enable regulatory reporting and ensure understanding to data requirements. Key Decisions / Dimensions • Risk Policy Formulation & Amendments • Portfolio Risk Monitoring & Loss Control • Risk Threshold & Metric Definition • Process and System Control Enhancements • Business Initiative Risk Assessment • Regulatory & Compliance Governance • Fraud & Operational Risk Mitigation • Management Reporting & Risk Escalation • Loss Forecasting & Portfolio Review • Risk-Based Process Improvements Major Challenges • Portfolio Quality & Loss Management • Dynamic Risk Policy Management • Business Growth vs Risk Balance • Process & Control Adherence • Operational Risk Mitigation • Regulatory Compliance & Governance • Risk Analytics & Management Reporting • Emerging Risk Identification & Control • System Capability Enhancement • Data Quality & Regulatory Reporting Required Qualifications and Experience a) Qualifications • CA/MBA b) Work Experience ? Overall should have 7+ years of experience ? Proficiency in data analytics – understanding and processing data to arrive at meaningful risk metrics and relevance to portfolio improvement ? Excellent Excel & Power Point proficiency ? Should have fundamental understanding of risk parameters and risk portfolio management ? Basic understanding of IT skills ? Should be willing to travel every month ? SQL & AI proficiency is preferred ? Prior gold loan experience is preferred.