Senior Manager - Credit Portfolio Strategy Manager (Portfolio Optimization)

Role Name : Credit Portfolio Strategy Manager (Portfolio Optimization)

Position Title : Senior Manager - Credit Portfolio Strategy Manager (Portfolio Optimization)

Sub Vertical : Post Acquisition

Function : Credit & Fraud Risk Management

Location : Gurugram

Role Purpose : The role is responsible for ensuring implementation of strategies & policies to ensure portfolio growth, maintaining delinquencies within benchmarks through regular tracking mechanism together with designing and launching new campaigns to achieve organization goals.

Role Accountabilities :

• Maintain & sustain portfolio delinquency rates below benchmark levels
• Cross sell offers to low and medium Risk segments
• Effective Utilization of models and other available data for portfolio optimization
• Track & monitor portfolio performance and take corrective actions to maintain the portfolio delinquency within benchmark rates
• Conduct data analytics, modelling and segmentation for portfolio management
• Cull out segments to optimize the x-sell coverage of the portfolio
• Promote customer driven actions (increase income driven limit assignment)
• Create and monitor of portfolio Performance dashboard on time on a monthly basis
• Review transaction declines daily and highlight the gaps and abnormal pattern
• Support the implementation of all regulatory guidelines and network enhancements
• Support management of existing relationships and future implementation of any new card network - Visa / Mastercard / Rupay / Amex / JCB

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