Department -- Risk

Sub Sub Department -- Risk (Credit Cards)

Location -- Pune

Job Grade -- E06

Job Title -- Lead - Risk

Job Purpose:

The Candidate will be responsible for overseeing all risk management aspects of Credit Card business including portfolio management / credit policies / acquisition strategies / processes / systems / data analysis

Responsibilities:

Product to be managed: Co Brand Credit Cards
Managing Risk for Co brand Credit card including formulating policies for acquiring credit card customer, line assignment, authorization framework, portfolio management and refinement basis learning
Work with partner bank for refining/formulating above strategies and document
Manage customer life cycle and interventions like Personal Loan Cross Sell, Balance Transfer, Line Increase and Decrease, Blocking/Unblocking etc.
Independently manage development and implementation of effective portfolio management strategies that help mitigate credit losses
Develop, track and effectively maintain key MIS across spectrum of the business for better decision making and pro-active course correction when required
Maintaining loss rates within budget along with monitoring Risk KPIs
Portfolio risk monitoring & management, collaborate with BFL risk strategies across businesses.
Ensure continuous improvement/enhancement to systems and platforms by identifying gaps proactively.
Creating and publishing dashboards for key Through the door and relevant performance indicator and work with partner for appropriate action for portfolio management.
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 Qualifications and Experience:

Should have minimum 7-8 years of experience in lending business with specific experience in retail consumer finance
Experience in risk management in a Line product is preferable
Excellent analytical, data management and presentation skills.
Exposure to data analytics tools (eg. SAS, SQL and Decision Tree) will be preferred
Should have excellent communication skills along with strong presentation and data analytical skills .