Senior Risk Manager - Credit Cards

Managing Pre acquisition risk for 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 6-9 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