AVP - Credit Policy - Retail Asset - BFS

Principal Responsibilities

- Assist in design & implementation of all credit policies including policies for acquisition and account risk management. (Product - Credit Cards)

- Assist amendment of existing policies through proactive & innovative solutions for profitable business growth - effective early warning mechanisms & competitor policy tracking to enable proactive action to expand / tighten policies.

- Enable retention of profitable customers for overall profitable growth through appropriate cross sell and top up policies.

- Assist the development of application scorecards, cut-off finalization, implementation and on-going monitoring of the same - this would require direct interaction with regional stakeholders.

- Responsible for ensuring appropriate implementation of policies through operations and credit delivery.

- Interact with counterparts in business / marketing / legal / compliance / operations & debt management on issues relating to policy formation & implementation.

- Leverage on advanced analytical capabilities of the decision sciences team to modify acquisition policies.

- Liaise with DSS teams to build automated credit tools to enable apt implementation of acquisition strategies e.g. bureau, verifications etc.

- Closely work with the regional credit managers to stay abreast of developments in competition

- Effectively liaise with the internal controls team to ensure that implementation of policies is appropriate.

- Build sufficient mitigants in the process to protect against channel, operational and fraud risks

- Responsible for ensuring that all policies are within the ambit of framework laid down through BIM, FIM, RRP, Regional Guidelines & local regulations