Senior Manager - Risk - Credit Cards - NBFC

Senior Manager-Risk, Credit cards (Pre Acquisition/Post Acquisition)

Position Summary: Formulation of Risk policy, Dissemination & Adherence of Risk Policy across markets, managing distribution risk, maintaining loss rates within budget

Duties and Responsibilities:

Product to be managed:

Co Brand Credit cards

Managing Pre/Post acquisition risk for Co brand Credit card including formulating policy for acquiring credit card customer, authorization framework and refinement basis learning

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

Managing distribution risk

Maintaining loss rates within budget along with monitoring Risk KPIs

Portfolio risk monitoring & management

Ensure continuous improvement/enhancement to systems (SFDC & Finnone) platforms by identifying gaps proactively.

Support product/business team in developing systems, IT development and improvement of the same and is line with business requirements.

Creating and publishing dashboards for key Through the door and relevant performance indicator and work with post acquisition team for appropriate action for portfolio management.

Travel to locations to understand market and refine and upgrade policy as per market requirement and after risk assessment

Working closely with RCU to minimize fraud risk

Building framework to continuously assess and evaluate system capabilities to eliminate operational loss

Monthly interaction & feedback mechanism with 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

Required Skills & Experience

Should have minimum 5-10 years of experience in lending business with specific experience in retail consumer finance

Experience in risk management is preferable

Excellent Team Management & Interpersonal Skills.

Understands channel/distribution risk

Should have excellent communication skills along with strong presentation and data analytics skills.

Should be willing to travel