Credit Risk and Policy-Digital Banking Kotak 811-Regional Sales

This is an Internal document.
Role- Credit Risk and Policy Manager
Job Purpose:
To design, implement, and manage credit risk policies and strategies that ensure healthy portfolio performance, mitigate default risk, and support business growth. This role involves credit underwriting frameworks, portfolio analytics, risk appetite definition, and policy governance.
Key Responsibilities:
Credit Policy & Frameworks:
 Develop and regularly update credit risk policies, product programs, and underwriting guidelines for various customer segments (retail, SME, corporate, etc.).
 Define risk acceptance criteria based on internal data and market intelligence.
 Collaborate with business, operations, legal, and compliance teams to implement and operationalize credit policies.
Risk Assessment & Monitoring:
 Analyze credit risk across new and existing products and segments.
 Establish early warning signals (EWS) and monitoring frameworks to track portfolio health.
 Design scorecards, segmentations, and risk models in collaboration with analytics and data science teams.
Portfolio Management:
 Track key credit metrics such as delinquency, NPAs, write-offs, LGDs, and PDs.
 Recommend changes in credit strategies or policy thresholds based on portfolio trends.
 Benchmark internal performance with industry standards.
Regulatory & Compliance:
 Ensure policies align with regulatory guidelines (RBI, Basel norms, etc.).
 Prepare risk-related reports and documentation for audits and regulatory reviews.
Stakeholder Management:
 Work closely with credit, collections, risk analytics, legal, and technology teams.
This is an Internal document.
 Provide training and guidance on credit policies to credit and sales teams.
Qualifications & Experience:
 Bachelor’s degree in Finance, Economics, Statistics, or related field (MBA/CA/CFA preferred).
 4–10 years of experience in credit risk, policy formulation, or credit underwriting (depending on seniority).
 Strong understanding of lending products (personal loans, SME, mortgages, BNPL, etc.).
 Experience with data analysis, credit scoring, and risk modeling is a plus.
Skills & Competencies:
 Analytical thinking with sound risk judgment.
 Strong knowledge of credit lifecycle and portfolio management.
 Proficient in Excel, SQL, and/or data visualization tools (Power BI/Tableau).
 Excellent communication and stakeholder management skills.