Head - Credit Card Risk Analytics

Position Responsibilities : -

• Drive next generation of analytical solutions in Credit Cards : -
• Revamp Acquisition Rules to drive profitable and risk-adjusted growth
• Enhance Card Limit assignment framework
• Identify cohorts and segments to drive acquisition volume for various sourcing channels and key co-brand partners
• Drive Portfolio interventions both Positive and Negative – to identify enhancement opportunities (offer base enhancement, line / loan amount assignment)
• Enhance Fraud Risk Management by enhancing Rule efficacy, developing Fraud Models
• Lead Risk, Collection and Marketing model development and monitoring of the models for Credit Cards portfolio
• Drive business efficiencies : -
• Focus on Cross-Sell : Develop targeted pre-approved bases for Cross-sell of Loans / Cards to existing customers in the Bank
• Develop portfolio segmentation to enhance customer engagement, encourage profitable spend and reduce Credit losses through sharper interventions
• Work towards achieving Infrastructure enhancements that would facilitate advanced analytics and data science
• Independently manage and lead analytics projects and manage relationship with stakeholders
• Engage with internal stakeholders – such as Business, Risk, Collection for generating ideas of analytics projects and answer / explain challenges in respective areas
• Engage with external stakeholders – Partners, Credit Bureaus, Fintechs etc.
• Manage a large team of 25+ people

Skills Required

Collection, Portfolio