The Opportunity/(Brief Overview of the Role):

- Provide subject matter expertise in at least one of the risk concepts within Card and Consumer Assets viz., Acquisitions, Approve/Decline, Line Management, Pricing etc.

- Support development and implementation of analytical frameworks/ strategies

- Conduct portfolio diagnosis for different unsecured products in the region

- Support deployment of Sherwood in the region

- Create robust documentation around existing strategies and processes

- Identifying gaps and marginal growth segments

- Implement best practices for Originations & Account Management policies and strategies

- Propose modification / redevelopment of strategies as required.

- Propose and build new RBWM credit policies

- Implement robust portfolio and strategy monitoring and tracking reports. Develop hypotheses about customer behaviour and profitable growth scenarios and apply the right mix of qualitative and quantitative research techniques to identify causes and solutions

- Identify opportunities for standardization of analytical processes to bring in effectiveness and gain efficiency

- Drive innovation for self to deliver incremental business value to the Region

Qualifications - External

What you will need to succeed in the role:

- Bachelor's degree in mathematics/ statistics/ economics or equivalent; Masters degree is preferred

- At least 5 years of relevant experience in analytics preferably in the fields like Strategy Development, Loss Forecasting/Reserving, Modeling, Risk Strategy, Marketing etc.

- Excellent communication skills with technical (the team) and non-technical (senior entity management in region) counterparts; being able to "translate" between the two worlds is the major thing in the day to day work.

- Strong analytical skills with an ability to grasp new concepts quickly.

- Good organizational, analytical, problem-solving and verbal and written communication skills.

- Prior experience in managing risk activities in retail lending is essential.

- Prior experience in managing Retail portfolios such as Mortgage, Cards, Loans and Overdrafts

- Prior experience with acquisition risk strategy, account management strategy or strategy analysis and portfolio management

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