Piramal Capital & Housing Finance Limited
Location
Mumbai | India
Job description
Purpose of Job:
This role is responsible for analysis; risk identification and mitigation of various new products being launched by the company. Additionally, portfolio analysis, planning and implementation of key projects to improve. Essential Qualifications: MBA from top tier institutes Essential Experience: Expert with sharp focus on portfolio (non-housing loan book) analysis with focus on execution. Analysis of the different products/policies in line with the current landscape Pointing out on the opportunities and issues and suggesting corrective action to the stakeholders Expert in presentation skills for various management reviews/committees Reviewing the product and policies notes from a risk standpoint and suggesting improvements for overall risk mitigations. Support delivery of end of period AUM, focus on operational efficiency through consolidation and process improvements Review the portfolio performance and its impact on the business profitability. Highlight the variances to the stakeholders Portfolio management based on accurate evaluation of the portfolio performance, market developments and product management imperatives. Pivotal role in launching new product/program considering the risk appetite of the organization and in line with profitability benchmarks Deliver best practices across all the domains with specific focus on risk management Aid conduct of audits (internal/statutory etc.) and help closure of points to satisfaction without any adverse comments Deliverables: Monitoring portfolio distribution, concentration, and segmental risk. Monitor portfolio performance and risks emanating from the same across product, geography, program etc. Monitoring Portfolio risk through dashboards and early warning signals, risk limit framework. Close monitoring of early warning indicators, early delinquency, bounce rates, non-starters, and other trends. Working closely with model risk and BIU team to get risk estimation models fine-tuned. Trigger monitoring and control Coordinating with analytics team for preparation/improvement in various management dashboard/ Analysis/ development of score card Regulatory compliance Interaction with various team including business/product/credit/operations/legal/compliance/technology/Audit and of course competition to be in line with the requirements Conduct portfolio review on regular basis, note the action, coordinate, and execute the actionableJob tags
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