Job Description:

1. Credit Policy Design & Governance

• Develop and periodically review credit policies, underwriting guidelines, and risk frameworks for retail, MSME, and priority sector lending

• Define risk categories / score bands and corresponding:

• Eligibility criteria

• Maximum loan amount

• Tenure and pricing caps

• Collateral / guarantee requirements

• Align credit policies with board-approved risk appetite statement

2. Risk Segmentation & Lending Rules

• Design risk-based decision rules for loan approval, rejection, downgrade, or referral

• Define loan-to-income, FOIR, exposure caps, and sector-wise limits

• Establish product-wise and geography-wise risk matrices

• Recommend policy overrides and exception handling frameworks

3. Underwriting & Portfolio Strategy

• Set underwriting cut-offs based on:

• Credit bureau scores

• Income assessment models

• Banking behaviour and transaction data

• Monitor portfolio performance across risk bands

• Identify early warning indicators and recommend policy tightening or relaxation

4. Regulatory & Compliance Alignment

• Ensure full compliance with RBI guidelines, internal audit requirements, and statutory norms

• Incorporate regulatory changes into credit policies in a timely manner

• Support internal, RBI, and statutory audits related to credit policy and risk frameworks