Job Description :

- Defining, managing, assessing and monitoring the credit policy norms for credit card portfolio

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

- Implement digital options for credit assessment with an objective of fast tracking the application process without compromising on key elements of risk

- Must have hands on knowledge and experience of implementing, running multiple risk scoring models vis. A Score, B Score and other bureau based models.

- Review the cards underwriting function constantly to ensure that decisions are in accordance with the approved credit policy

- Manage the post-acquisition customer lifecycle including strategic interventions on limits/exposures. Upgrades, offering incremental loan, closures etc

- Understanding the risk appetite of the organization and defining risk policies and process that subscribe to the risk frame work

- Create robust process flows to Implement the policies on System / Rule Engine ensuring absorption by the credit underwriting team

- Ongoing portfolio monitoring and portfolio analysis for the credit cards business identifying key trends for actions from a policy perspective

- Closely monitor the underwriter procedures and ensuring a seamless co-ordination and alignment with operations, fraud control and other stakeholders

- Independently engage with external stakeholders and partners to support business growth with acceptable risk

Qualifications :

- A Master's degree or a graduate degree holder with relevant experience

- 7+ years of total work experience with atleast 4 to 5 years in the credit cards credit and risk domain

- Good knowledge of credit policy, underwriting process and the operating market with first hand experiencing of implementing credit strategies for the retail cards business

- Knowledge of scoring models including Acquisition and behavior scoring models

- Must have the ability to work effectively within a team and be flexible to work on multiple projects

- Self-starter, with demonstrable ability to work proactively and independently to drive results

- Strong analytical and problem solving skills

- Team Management Experience of at least 3 to 4 years.

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