
Senior Credit Risk Management Professional
2 weeks ago
Job Title: Senior Credit Risk Management Professional
We are seeking a seasoned professional to lead our credit policy development and downstream tracking for unsecured lending products, focusing on cards portfolio management programs.
Main Responsibilities:
- Develop and optimize policies for unsecured acquisitions
- Monitor acquisition quality and manage card portfolios including CLI and balance build programs
- Oversee credit limit increase strategies and implement balance build and revenue enhancement offerings for cards
- Manage authorizations and overlimit usage, handle exposure management actions, and identify cross-sell opportunities
- Monitor portfolio bureau score migration and risk grade, oversee policy implementation on credit decision rule systems
- Track portfolio performance, initiate activation and retention strategies, and ensure compliance with local regulations and industry standards
Requirements:
- Post-graduate degree (preferably MBA or post-grad in statistics/engineering)
- 5-7 years of experience in retail risk management, particularly in cards account risk management with a large financial institution
- Good understanding of the local industry/competition landscape and consumer credit cycle
- Experience with digital journeys/Fintech, demonstrated ability in risk identification and mitigation, strong analytical and problem-solving skills, effective communication and negotiation abilities
- Familiarity with RBI regulations related to cards, loans, digital journeys, proficiency in Excel and PPT, and experience with SAS/data mining tools
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