Risk:Head - Collateral Risk, Securitization & Co-lending Policy

Role – Collateral Risk Management & Policy for Securitization & Co-lending

Job Responsibilities

• Monitor, analyze, and provide portfolio insights on collateral risks across Retail Assets businesses including Mortgages, Bharat Enterprises, Small Business Banking (SBB), Co-lending, and Retail Construction Finance
• Establish and monitor early warning indicators for collateral-related risks and drive timely corrective and preventive actions to mitigate emerging vulnerabilities
• Identify portfolio-level trends, and adverse market developments from Collateral Risk Standpoint
• Undertake market visits across geographies to develop on-ground understanding of collateral asks and market trends including identifying risks
• Formulate and strengthen collateral risk policies and frameworks, including development of new norms, enhancement of existing guidelines, and support for business-led initiatives requiring policy enablement.
• Lead the development and implementation of data-driven and technology-enabled risk assessment tools, models, and analytics frameworks for predictive identification of collateral risks.
• Participate and provide independent collateral risk perspectives for proposals presented before sanctioning and credit committees, including SMC, COCC, and other relevant forums.
• Evaluate Co-lending, Direct Assignment (DA), Pass Through Certificate (PTC), Inter-Bank Participation Certificate (IBPC), and Securitization opportunities through independent assessment of underlying collateral quality, transaction structures, risk-return dynamics, and investment attractiveness.
• Monitor performance of purchased and originated portfolios by tracking asset quality trends, delinquency indicators, collection performance, and emerging stress signals, ensuring timely risk escalation and mitigation.
• Conduct onboarding due diligence, risk assessment, exposure recommendation, limit setting, and ongoing monitoring of co-lending partners, originators, NBFCs, HFCs, and other counterparties.
• Spearheading the complete risk and policy function for lending through partnerships including securitization and Co-lending.
• Formulation & review of lending policy and amendment in policy based on business requirements.
• Analyzing & evaluating the processes of partners at the time of onboarding and on continuous basis.
• Risk & Portfolio management through monthly risk review with all stake holders. Risk intervention through risk actions wherever necessary based on emanating risk.
• Exception reporting and training of stakeholders in line with changes in policy
• Review & monitoring of RAS limits and internal guardrails.
• Management of Internal & Regulatory audits observations and closure of observations in line with compliance requirements.