Senior Manager- Credit & Risk

Responsibilities:

ISMS Governance

1)     Maintain and information security policy, evaluate security posture of the organization periodically, report to the stakeholders.

Audit & Compliance

1)     Manage internal, statutory and regulatory audit requirements related to information security

2)     Track open observations progress, ensure closure of observations and report to stakeholders.

Business Continuity, Disaster recovery –

Evaluate disaster recovery status of various application and infrastructure components and facilitate business continuity testing as per pre-defined test cycle.

1.         BIA-Business Impact Analysis

2.         BCRA-Business Continuity Risk Assessment

3.         FRP- Functional Recovery Plan

4.         IT DR Drill

 Data Security and Privacy Controls

Evaluate requirements for organizations data security and privacy governance controls, implement appropriate frameworks for ensuring the adequate controls and governance practices.

Benefits:

·        Flat Hierarchy

·        Flexible Work Timings

·        Young Progressive Team

·        Open Work Culture

·        Managed Career Paths

·        Mentoring

• 3+ years of experience in Financial domain
• 3+ years of Lending experience (Someone who has worked on Lending products or Lending companies or Lending Processes) and financial experience. 
• This is 50% hands-on 50% managerial position with experience in Automation or development.
• Should be Technical PM

Hiring for Lead Auditor (QMS / ISMS) role.

Job description Below :

• Preparation Dept. Objective reports.
• Preparation of Internal Audit Schedule & Coordination /opening meeting and closing meeting.
• Follow up for Internal Audit closing of Observations.
• Preparation of Management review meeting Input & Output reports.
• Coordination Certification Audit and Surveillance (TUV-SUD) Audit for ISO 9001:2015 and ISO 27001:2013.
• Follow up for closing of Observations.
• To update QMS & ISMS Manual, Procedures, Policies, Risk Assessment Plan, SOA & Formats.
• Internal Audit of ISO - QMS & ISMS standards.

Urgent Hiring Senior Manager Internal audit 

Location - Mumbai

Qualifications- CA/ ICWAI/ MBA in Finance.

Key Responsibilities -

• Contribute to the Internal Audit function by identifying risks associated with business objectives and evaluating the controls in place to mitigate those risks in order to improve the effectiveness of risk management, control, and governance processes.
• Conduct audit discussions with business management to identify the root cause to obtain sustainable management action plans.
• Preparation of a concise and informative audit report to effectively communicate the findings.
• Develop a risk-based test plan by selecting appropriate audit approach, test procedures and sampling criteria based on professional judgment and departmentally defined internal audit methodology.
• Perform audit tests and prepare board reports as may be required from time to time.
• Identification of Audit universe, risk assessment of audit entities development of the annual Internal Audit plan.
• Keep abreast on the change in risk environment within / outside the organization.

Desired Candidate - 

• Work experience of 4-5 years in internal audit department in banking/ financial services industry is mandatory.
• Ability to take ownership of the task assigned and work successfully under minimum supervision
• Possess a good eye for detail and ability to work effectively under pressure
• Candidate must be aware about data management via use of MIS, certain software
• Should be well versed in MS Excel & other office suite of products
• Excellent communication skills - verbal, and written (including report writing)

Interested candidates can apply asap.

thanks & regards 

Neetu Dhiman 

• Graduation is a must. MBA is highly desirable
• Relevant work experience of 6 – 7 years in lending is a must
• Deep knowledge and relevant work experience of Microfinance products and BC is a must
• High standards of accuracy, integrity and attention to detail
• Excellent communication skills
• Proven experience and ability to manage a team

The role of a Personal Loan Risk Head is to own, manage and communicate risk policies and processes. He/She shall provide hands-on development of risk models involving market, credit and operational risk, assure controls are operating effectively, and provide research and analytical support. Prospective candidates must have excellent quantitative and analytical skills, along with the ability to apply those skills across a variety of business processes.

Key Expectations

• Designing and implementing an overall risk management process for the Personal Loan portfolio, which includes an analysis of the financial impact on the company when risks occur
• Performing a risk assessment: Analyzing current risks and identifying potential risks that are affecting the company
• Own the portfolio risk metrics - Loss forecasting, Stress testing, Credit Risk, Liquidity risk, Collections performance & strategy & overall ROA by segment.
• Monitor portfolio risk from granular dimensions and constantly implement strategies to maintain risk metrics within specific ranges.
• Monitor various operational metrics and develop alerting mechanisms to maintain process efficiency
• Designing and implementing strategies for Underwriting, Account Management, Portfolio Monitoring and Collections
• Develop risk based credit policies and pricing grids to maximize approvals within specific segments of risk
• Work with data science team which will develop algorithms and scorecards and drive decision models across various business segments.
• Partner with Engineering team to implement policies and scorecards.
• Supervise creation of time-sensitive analytics, visualisations, and complicated, high-visibility reports for Risk and Business management to use in portfolio monitoring and strategic decision-making.

Competencies -

• Have strong business understanding of the retail lending business in India and understanding of the regulatory landscape
• Should have hands-on experience working as data analyst or data scientist or statistical modeler in retail space, preferably in financial services or ecommerce.
• Strong experience in establishing and managing high-performing teams with a collaborative leadership approach.
• Outstanding communication skills, both verbal and written