Job Summary:

We are seeking a highly analytical and experienced professional to join our Credit Risk team. This role will focus on developing and optimizing post acquisition credit risk strategies and driving portfolio growth. The ideal candidate will have strong experience in the Credit Card domain in analytics and portfolio management and will work closely with cross-functional teams to deliver business impact.

Key Responsibilities:

1. Policy formulation and enhancement:

- Continuous rationalization of acquisition credit policy. Monitoring the effectiveness of policies to ensure achievement of effective portfolio risk KPIs.

2. Liaison with stakeholders:

- Liaison with Credit, Sales, operations and other relevant stakeholders with credit related initiatives and policy rationalization.

3. Credit Strategy and Credit Limit Management:

- Design and implement data-driven credit strategies for Credit line management and account management. Strong knowhow of Credit Limit Management with good exposure in Credit limit enhancement or decrease management. Collaborate with decision science teams to calibrate or build credit scorecards and predictive models.

4. Portfolio Risk Management:

- Monitor credit card portfolio KPIs including delinquencies, roll rates, charge-offs, vintage performance, and INDAS/IFRS metrics. Perform regular risk segmentation and cohort analysis to identify deterioration or opportunities. Develop early warning frameworks and recommend risk mitigation actions proactively.

5. Data Analytics and Reporting:

- Create insightful dashboards and automated reports to track portfolio trends, risk flags, and business outcomes using tools such as Tableau, Power BI, etc. Present findings and recommendations to senior leadership with clear business implications.

6. Stakeholder Collaboration:

- Partner with product, marketing, collections, and technology teams to align risk strategies with customer experience and business goals. Provide analytical support for new product launches, credit limit enhancement campaigns, and digital onboarding initiatives. Work with compliance and regulatory teams to ensure policy and reporting alignment with RBI and bureau norms.

7. Governance and Audit:

- Ensure credit strategies comply with internal governance and external regulatory requirements (RBI, credit bureau norms, etc.). Prepare and present documentation for audits, policy reviews, and regulatory examinations.

Qualifications:

- Master's degree in Finance, Engineering, or related field.

- 10 - 14 years of experience in credit risk policy, specifically in the credit card or unsecured lending domain.

- Strong hands-on experience in data tools: SQL, Python, R, or SAS.

- Working knowledge of credit bureau data.

Preferred Skills and Attributes:

- Strong understanding of Indian regulatory landscape for retail lending (RBI guidelines, risk-based pricing, bureau norms).

- Ability to balance risk and business growth objectives through data-driven decisions.

- Excellent communication and presentation skills to influence senior stakeholders.