National Manager - Credit Risk - Credit Cards

- Lead the end-to-end risk and portfolio analytics for the Credit Card portfolio, with a focus on performance optimization and risk mitigation.

- Drive strategic risk initiatives to support business growth while maintaining robust credit quality.

- Conduct portfolio performance analysis, including cohort analysis and book reviews, to track key metrics such as activation, spend behavior, delinquency, and losses.

- Design, develop, and validate Credit Card Acquisition and Behavioral Scorecards to support informed decision-making across the customer lifecycle.

- Implement credit line management strategies (CLI/CLD) to balance risk and profitability, enhancing customer engagement and retention.

- Monitor early delinquencies and lead the design of early-stage collection strategies, improving recovery rates and reducing roll-forward risk.

- Collaborate with cross-functional teams including Product, Finance, and Collections to embed risk insights into business strategies.

- Present data-driven insights and recommendations to senior management to inform strategic decisions and policy updates.

- Forecast credit losses and contribute to capital and provisioning planning, stress testing, and regulatory submissions.

- Ensure compliance with internal risk governance and external regulatory requirements related to Credit Card portfolio risk management.