AU Small Finance Bank - Lead Policy Manager - Credit Cards Unsecured Lending

Company Overview :

Key Responsibilities :

- Skilled in Credit Policy formulation, Acquisition Risk strategies, Portfolio monitoring

- Drafting, managing, and monitoring of end-to-end Credit Card Acquisition Risk Management

- Formulate the strategy for cross selling credit card to existing customer base and new customer acquisition

- Skilled in portfolio analytics pertaining to Application Scorecards, Risk Strategies, Limit Management

- Tracking portfolio performance metrics like Entry Rates (Bounce Rates, Vintage & Portfolio Delinquency)

- Tracking customer segments like Transactors, Revolvers, Pay-Down and provide portfolio insights

- Closely monitor the lending strategies (Underwriting & Verification) and ensuring a seamless co-ordination and alignment with Sales, Operations and other stakeholders.

- Ensure compliance of all regulatory guidelines, RBI, External / Internal Audit

- Audit query resolution & ensure minimum audit queries

- Ensure end to end documentation and governance

Educational Qualification :

Master's degree in Engineering or Computer Science, Economics, or MBA (PGDM)

Skill Set :

- SAS Programming, Credit Risk Analytics, SQL, AWS Sagemaker, Python, Risk Strategy, Credit Impairment Modelling, Base SAS