Avp-Credit &Amp; Policy, Cross-Sell

Job Purpose :

- Building X Sell Capabilities. Optimize Risk And Approvals To Achieve Organizational Business-Objective.

- Devise And Drive Different Cross-Sell Programs Leveraging The Existing Digital Assets Which Helps In Credit-Healthy Business Growth.

Principal Accountabilities :

1. Accountability 1 - Segmentation :

- Perform Qualitative And Quantitative Analysis To Slice Heterogeneous Portfolio Into Homogeneous Segments

- Determine Product-Market Fitment For Designing Policy Of X Sell For Personal Loan, Consumption Loans And Business Loans.

2. Accountability 2 - Base Identification :

- Help Identify The Right Base From Risk And Conversion Perspective.

- Work Closely With Data Science Team For Implementing The X Sell Model For Pl, Cl And Business Loan.

- Blend Different Source Of Intelligence And Propose Framework Of Differential Strategies Which Includes Determining Right Rate Of Interest, Right Offer, Right Product, Right Channel, Right Time, Etc. To Different Segments.

- Work With Product And X Sell Consumer Insights Team To Drive The X Sell Practice For The Organization.

3. Accountability 3 - Experimentation :

- Conduct Controlled Experiments And A/B Tests On Cross Sell Program

- Fine-Tune Cross Sell Strategy To Achieve Pointed Targets

- Study Consumer Behavior By Performing Price Elasticity And Various Sensitivity Analysis.

4. Accountability 4 - Best Practices And Process :

- Set Kpis, Introduce Analytical Framework And Best Cross-Selling Practices Used In Bfsi Industry

5. Accountability 5 Bucket - Automation :

- Work Closely With Product, Technology And Data Science Teams

- Automate Various Algorithms And Steps In The Cross-Sell Journey To Achieve Desired Scale And Efficiency

Educational Qualifications :

A) Qualifications :

- Minimum Qualification Required : Graduate In Engineering Or Postgraduate In Finance/Statistics/Management/Quant Subjects From A Institutes

- Qualifications Preferred : B.Tech With Mba

B) Work Experience :

- Minimum 7 Years With 3 -4Years Driving Cross Sell Policies Initiatives In Lending Organizations Or Credit Cards.

- Should Have A Fair Understanding Of Various Cross-Sell Associated Nuances And Risk Performance

- Should Have A Very Good Communication Skill.

- Superior Stake Holder Management Skills- Work Closely And Align With Each Of The Internal Functions Which Includes Business Development, Credit And Policy, Data Science, Legal, Technology, Operations, Collections, Customer Success Team And External Stakeholders.

- Hands-On Experience To Work On Large Structured And Unstructured Datasets Using Different Data Processing And Statistical Tools Is Must

- Good Communication Skills, Data Driven, Analytical Approach, Team Player