Portfolio Optimization Role - BFS

Role Purpose

The role is responsible for implementing portfolio optimization strategies for low & medium risk customers to ensure the overall portfolio delinquencies are within the benchmark. The role is also responsible to monitor authorizations rates and ensure these are within benchmarks.

Role Accountability

- Conduct analysis for offering limit enhancement to low and medium risk segments, which act as a NEA builder for the portfolio.

- Ensure effective Utilization of data from bureaus to offer limit enhancement to customers.

- Propose segments to optimize the x-sell coverage of the portfolio.

- Develop portfolio Performance dashboard on time on a monthly basis.

- Support implementation of all regulatory guidelines and network enhancements.

- Conduct end to end daily review of transaction declines, maximize authorization rate, and propose extended authorization strategy across portfolio segments.

- Work closely with the marketing team on campaigns to drive conversions from low & medium risk customers.

- Work closely with marketing team on campaigns to reduce transaction declines from low & medium risk customers.

- Analyze alternate data available (alternate credit bureau, account aggregator, etc.) which can be leveraged in portfolio optimization.

- Work with networks on implementation of any new regulatory or network oriented changes.

- Monitor BIN level caps along with marketing team to ensure due process is followed.

Measures of Success

- Ensuring successful execution of portfolio strategies as per agreed plan

- Timely tracking of authorization success rate to ensure staying within defined benchmarks

- Timely creation and monitoring of portfolio metrics

Technical Skills / Experience / Certifications

- Knowledge of Data Analytic & Modelling

- Basic understanding of the cards business dynamics that will drive the analysis.

- Knowledge of data analytics and system tools such as SAS, TRIAD, V+, Python

- Knowledge of Card networks, Access Control System (ACS), payment processing, and regulatory environment

- Process Adherence as per MOU

- Competencies critical to the role

- Written and verbal Communication

- Analytical Skills & Problem Solving

- Process Orientation

- Agility & Responsiveness