Job Description
Lead Policy - Retail (Location : Mumbai)MFT8858
Retail & Sme Credit, Biu & StrategyMumbai-Corporate Office
Required Experience
10 - 15 Years
Posted On
0+ Jan 2026
Basic Section
No. Of Openings
2
Grade
NA1
Designation
Others
Closing Date
24 Apr 2026
Organisational
Organisation
CSB Bank
Organization Unit
Retail & SME (Business And Risk), Operations & IT
Sub Org Unit 1
Retail & SME Credit, BIU & Strategy
Sub Org Unit 2
Others
Sub Org Unit 3
Others
Sub Org Unit 4
Others
Sub Org Unit 5
Others
Sub Org Unit 6
Others
Branch/Department Code
1026
Branch/Department Name
Credit/Collection – Retail & SME - Credit
Country
India
Geographic Zone
West
State
Maharashtra
City
Mumbai
Worksite
Mumbai-Corporate Office
Worksite Code
1015
Skills
Skill
RETAIL
POLICY REVIEW
CREDIT
CREDIT ANALYSIS
Minimum Qualification
MBA
CA (CHARTERED ACCOUNTANT)
CERTIFICATION
No data available
Working Language
No data available
Job Description
Job Purpose:
Lead - Policy is for the design thinking, Competition Connect, Risk and Credit Due Diligence Understanding, D Analytical Skill, Drafting and Designing skills, Deep understanding of retail products end to end loan life cycle, System understanding - LOS/ LMS/ End to end loan processing, System flow knowledge, Presentation Skills, Soft Skill to manage team/ people
Job Responsibilities:
(1) Formulating Credit Policy and Operational Guidelines for Retail business with a focus on secured/ unsecured loans such as loan against property/mortgage loans, consumer finance, vehicle finance, personal loans, etc
(2) Evaluate, implement and monitor internal & external Credit scoring models in partnership with business/Credit department
(3) Risk Analysis for new product approvals and new business
(4) Establish requirements for data maintenance and management and working with IT on implementation Create management reporting using visual interface-based tools to monitor portfolio performance at portfolio segment (e g , product, vintage, Risk segment, score band, or marketing channel), vintage and account levels to identify positive and negative trends such as improved portfolio quality or heightened delinquencies and recommend strategy changes to the business
(5) Tracking performance against guardrails, analyse portfolio and macro-economic data to determine potential impact on business operations
(6) Report control weaknesses, compliance breaches and Operational loss events
(7) Evaluate Credit loss assumptions for benign and stress case scenarios used for valuation models at the time of portfolio acquisitions, portfolio performance monitoring and conduct independent validation and vintage level loan performance
(8) Develop and build an understanding of key metrics of Credit Risk portfolio, such as Expected loss, Exposure at Default, Probability of Default, Credit Risk Rating and loss Given Default
Retail & Sme Credit, Biu & StrategyMumbai-Corporate Office
Required Experience
10 - 15 Years
Posted On
0+ Jan 2026
Basic Section
No. Of Openings
2
Grade
NA1
Designation
Others
Closing Date
24 Apr 2026
Organisational
Organisation
CSB Bank
Organization Unit
Retail & SME (Business And Risk), Operations & IT
Sub Org Unit 1
Retail & SME Credit, BIU & Strategy
Sub Org Unit 2
Others
Sub Org Unit 3
Others
Sub Org Unit 4
Others
Sub Org Unit 5
Others
Sub Org Unit 6
Others
Branch/Department Code
1026
Branch/Department Name
Credit/Collection – Retail & SME - Credit
Country
India
Geographic Zone
West
State
Maharashtra
City
Mumbai
Worksite
Mumbai-Corporate Office
Worksite Code
1015
Skills
Skill
RETAIL
POLICY REVIEW
CREDIT
CREDIT ANALYSIS
Minimum Qualification
MBA
CA (CHARTERED ACCOUNTANT)
CERTIFICATION
No data available
Working Language
No data available
Job Description
Job Purpose:
Lead - Policy is for the design thinking, Competition Connect, Risk and Credit Due Diligence Understanding, D Analytical Skill, Drafting and Designing skills, Deep understanding of retail products end to end loan life cycle, System understanding - LOS/ LMS/ End to end loan processing, System flow knowledge, Presentation Skills, Soft Skill to manage team/ people
Job Responsibilities:
(1) Formulating Credit Policy and Operational Guidelines for Retail business with a focus on secured/ unsecured loans such as loan against property/mortgage loans, consumer finance, vehicle finance, personal loans, etc
(2) Evaluate, implement and monitor internal & external Credit scoring models in partnership with business/Credit department
(3) Risk Analysis for new product approvals and new business
(4) Establish requirements for data maintenance and management and working with IT on implementation Create management reporting using visual interface-based tools to monitor portfolio performance at portfolio segment (e g , product, vintage, Risk segment, score band, or marketing channel), vintage and account levels to identify positive and negative trends such as improved portfolio quality or heightened delinquencies and recommend strategy changes to the business
(5) Tracking performance against guardrails, analyse portfolio and macro-economic data to determine potential impact on business operations
(6) Report control weaknesses, compliance breaches and Operational loss events
(7) Evaluate Credit loss assumptions for benign and stress case scenarios used for valuation models at the time of portfolio acquisitions, portfolio performance monitoring and conduct independent validation and vintage level loan performance
(8) Develop and build an understanding of key metrics of Credit Risk portfolio, such as Expected loss, Exposure at Default, Probability of Default, Credit Risk Rating and loss Given Default
💡 Quick Summary
Seeking a career-building opportunity? The Lead Policy | Retail |Location | Mumbai position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.