Lead Policy Manager – Credit Cards Unsecured Lending

Job Description: Lead Policy Manager – Credit Cards Unsecured Lending

Job Title

Lead Policy Manager – Credit Cards Unsecured Lending

Location

Jaipur – Rajasthan

Experience

6–10 years with strong BFSI lending domain exposure

Key Responsibilities

·        Skilled in Credit Policy formulation, Acquisition Risk strategies, Portfolio monitoring

·        Drafting, managing, and monitoring of end-to-end Credit Card Acquisition Risk Management

·        Formulate the strategy for cross selling credit card to existing customer base and new customer acquisition

·        Skilled in portfolio analytics pertaining to Application Scorecards, Risk Strategies, Limit Management

·        Tracking portfolio performance metrics like Entry Rates (Bounce Rates, Vintage & Portfolio Delinquency)

·        Tracking customer segments like Transactors, Revolvers, Pay-Down and provide portfolio insights

·        Closely monitor the lending strategies (Underwriting & Verification) and ensuring a seamless co-ordination and alignment with Sales, Operations and other stakeholders.

·        Ensure compliance of all regulatory guidelines, RBI, External / Internal Audit

·        Audit query resolution & ensure minimum audit queries

·        Ensure end to end documentation and governance

Educational Qualification

Master’s degree in Engineering or Computer Science, Economics, or MBA (PGDM)

Skill Set

SAS Programming, Credit Risk Analytics, SQL, AWS Sagemaker, Python, Risk Strategy, Credit Impairment Modelling, Base SAS