Lead - Risk Analytics - Credit Card Business - NBFC

Opening with one of the leading NBFC .

Location - Pune

The Candidate will be responsible for overseeing all risk management aspects of Credit Card business including portfolio management / credit policies/acquisition strategies/processes/systems/data analysis

Duties and Responsibilities :

Product to be managed:

- Co Brand Credit Cards

- Managing Risk for Co-brand Credit card including formulating policies for acquiring credit card customer, line assignment, authorization framework, portfolio management, and refinement basis learning

- Work with partner bank for refining/formulating above strategies and document

- Manage customer life cycle and interventions like Personal Loan Cross Sell, Balance Transfer, Line Increase and Decrease, Blocking/Unblocking etc.

- Independently manage development and implementation of effective portfolio management strategies that help mitigate credit losses

- Develop, track and effectively maintain key MIS across the spectrum of the business for better decision making and pro-active course correction when required

- Maintaining loss rates within budget along with monitoring Risk KPIs

- Portfolio risk monitoring & management, collaborate with BFL risk strategies across businesses.

- Ensure continuous improvement/enhancement to systems and platforms by identifying gaps proactively.

- Creating and publishing dashboards for key Through the door and relevant performance indicator and work with a partner for appropriate action for portfolio management.

- Monthly interaction & feedback mechanism with the collection team to get ground level feedback on market/portfolio

- Support business in various initiatives and promotions by enabling business growth and maintaining portfolio quality

Requirement :

- Should have experience in the lending business with specific experience in retail consumer finance

- Experience in risk management in a Line product is preferable

- Excellent analytical, data management and presentation skills.

- Exposure to data analytics tools (eg. SAS, SQL, and Decision Tree) will be preferred

- Should have excellent communication skills along with strong presentation and data analytical skills