Indusind Bank - Head - Portfolio Management - Credit Cards

Job Summary :

Credit Card Portfolio management covers the full spectrum of overseeing and administering the credit card programs, portfolios & Customer lifecycle, and accounts. It encompasses risk management, account management, portfolio reporting and monitoring, and many other activities. The responsibility includes to offer the customer efficient services and responses while internally controlling costs, appropriately managing risks and revenues, and achieving corporate and regulatory compliance.

The person will be responsible for developing and executing direct portfolio stimulation and growth campaigns for credit card products. The role will support the planning, development, and implementation of portfolio growth tactics, existing customer management strategies, and the overall management of pricing initiatives and utilization promotions.

Job Description :

- Create portfolio management strategies to maximize portfolio growth across all customer contact points, including statements, customer service, direct/ e-mail, online/digital, and branch; Design, develop and oversee customer management programs including :

- Credit line management programs

- New and dormant account activation

- Account upgrade strategies

- Balance build campaigns

- Authorization Strategy

- Accountability for portfolio yield management and pricing initiatives including seasonal promotions and utilization campaigns

- Accountability for the management of all customer rewards programs, including responsibility for rewards expense budget and reserve, pricing of offerings, promotion, and working with third-party partners including fulfilment agencies.

- Partner with credit risk to strengthen control strategies, enhancements in credit policy, and portfolio-wide analytics and reporting

- Align closely with Customer Service to build and maintain a strong customer experience

- Drive and achieve the agreed business plan and P&L metrics though sales support and marketing/risk/analytics interventions

- Evaluate & drive promotional plans to ensure that they are consistent with product line and customer segment