Risk Head (General Manager) Co-Lending &Amp; Strategic Lending For A Leading Housing Finance Company

Job Brief : A "Leading Housing Finance Company" Is Looking For A "Seasoned Resource" In The Designation Of "Risk Head" For It'S "Co-Lending &Amp; Strategic Lending" Vertical.

Work Location : Mumbai

Ctc Bracket : Accepting Applicants With Current Fixed Ctc Of 25 Lpa And Above.

Hr Grade :
General Manager

Reporting To : Chief Risk Officer (Cro)

Team Structure : 2 Members-Dgm Grade (Ic'S)

Key Responsibilities :

1. Build Co-Lending Strategy: Identify Strategic Opportunities For Lending Partnerships For The Organization In Line With The Organizational Purpose And Business Objectives. Create The Product Strategy And Value Proposition Behind The Company'S Vision To Build India'S Preferred Lending Organization, Starting With
Secured Lending, Sme &Amp; Unsecured Lending With A Core Focus On Digital First.

2. Identify Opportunities: Strategize, Build, And Manage Association With Key Players Including But Not Limited To Banks/ Nbfcs/ Fintech That Are In Line With The Objectives Of The Organization.

- Drive Integration On Various Aspects Of The Strategic Partnership Across Credit And Risk Management, Technology And Product.

- Define The Risk Appetite For The Organization With Respect To Co-Lending And Formulate The Risk Policy In Tune With The Same.

3. High Value Individual/Portfolio Underwriting: Conduct Due Diligence Of Portfolios For Acquisition And Underwrite High Values Cases.

4. Product Roadmap: Define And Deliver The Roadmap Based On Business Priorities.

5. Digitalization Of Product: Contribute To Building Technological Interfaces With Strategic Partners.

6. Business Analytics: Monitor Relevant Business And Product Metrics, Identify Optimization Potential, Regularly Provide Updates To Stakeholders On Business Performance.

- Research And Market Intelligence: Understand Customer Needs, Conduct Surveys, Closely Monitor Peers / Competitors And Identify Opportunities.

7. Go-To-Market: Oversee Internal Product Trainings, Organize Product Onboardings

8. Team: Build And Develop A High-Performing Team Of Motivated Talent. Collaborate Closely With Business Teams On Ground, Technology, Credit &Amp; Operations, Hr And Finance Across All Stages Of The Product Life Cycle.

Qualifications &Amp; Experience :

1. Mba / Ca Or Any Post Graduate.

2. 10+ Years Of Relevant Experience In Risk And/Or Underwriting With Proven Expertise In Co-Lending &Amp; Other Strategic Lending Efforts.

3. Proven Project Delivery With Increasing Responsibilities And Success In Leadership Roles And A Track-Record Of Successful Outcomes.

4. Prior Experience In The Bfsi And Fintech Domain With Co-Lending Is A Must.

Essentials

- Essential To Have A Good Understanding Of Loan Product Workings, Loan System Workings And Calculations.

- Has Developed And Launched Home Loan Product, Subvention Schemes Etc. In The Past.

- Be Comfortable In A Startup-Environment ; Work Hands-On On Day-To-Day Problem Solving, Taking Quick And Effective Actions To Meet Short-Term Priorities. On The Other Hand, Be Comfortable With Longer-Term Strategic Thinking / Planning.

- Outstanding Communication, Presentation, And Leadership Skills To Drive Thought Process With Internal &Amp; External Clientele