Senior Hindsighting Manager Job in Idfc First Bank

Role: Senior Hindsighting Manager
Function/Department: Retail Risk
Experience: 5-10 Years
Education:
Graduation: B.Com, B.Sc, BA, BBI, BMS
Post-Graduation: MBA, M.Com, MA

Job Purpose:
We are seeking a Senior Hindsighting Manager to lead the credit hindsight review process for retail banking products. The role involves evaluating underwriting decisions, ensuring compliance with internal policies and regulatory guidelines, and identifying gaps to enhance credit risk frameworks. The ideal candidate will be responsible for conducting detailed reviews, publishing hindsight reports, and collaborating with senior management to drive strategic improvements.

Key Responsibilities:
Hindsight Review & Credit Assessment:
Design and implement the hindsight review framework for retail loan products (PL, BL, Mortgage, UC, CV, EH, KCC, etc.).
Conduct detailed evaluations of approved loan accounts to ensure alignment with credit policies and risk parameters.
Identify and highlight process deviations and underwriting gaps to improve decision-making accuracy.
Compliance & Risk Governance:
Assess adherence to RBI regulations and internal compliance policies.
Ensure all loan approvals align with banking guidelines, risk appetite, and industry standards.
Provide actionable recommendations to mitigate risks and improve portfolio quality.
Reporting & Insights:
Publish hindsight reports, dashboards, and performance scores for senior management.
Track trends and provide insights to enhance underwriting effectiveness.
Maintain thorough documentation of findings, policy deviations, and recommendations.
Stakeholder Collaboration & Process Enhancement:
Work closely with Risk, Operations, and Policy teams to drive process improvements.
Recommend enhancements to credit policies and underwriting frameworks based on hindsight findings.
Capture and share best practices to strengthen overall risk management capabilities.

Preferred Skills & Attributes:
Strong understanding of retail credit underwriting across multiple loan products.
Experience in credit risk assessment, portfolio monitoring, and policy compliance.
Analytical mindset with the ability to interpret data and generate insights.
Proficiency in reporting tools (Excel, SQL, Power BI, Tableau, etc.) is a plus.
Strong communication and stakeholder management skills.

Why Join Us?
Opportunity to play a critical role in strengthening risk governance.
Work in a dynamic and data-driven banking environment.
Exposure to high-impact projects and collaboration with senior leadership.

If you have a strong background in credit risk, underwriting, and regulatory compliance, we invite you to join our team and contribute to enhancing our retail risk management framework!