Senior Manager - Credit Portfolio & Data Analytics

Position Title : Senior Manager - Credit Portfolio & Data Analytics

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 profitability in Encash Portfolio and delinquency rates below benchmark levels

Offers encash & CLI to low and marginal Risk segments, which act as an NEA builder for the portfolio

Effective Utilization of data from other bureaus to offer encash to customers

Track & monitor portfolio performance and take corrective actions to maintain the portfolio delinquency within benchmark rates

Identify opportunity or stress segments in the portfolio and taking appropriate actions (+ve and -ve actions)

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

Drive portfolio management initiatives through the credit cycle management framework by working in partnership with marketing, IT, operations and collection team

Deploy AI / ML / Automation techniques in business processes to enhance process efficiency and customer experience

Manage exit process of all secured cards with partner banks

Support management of existing relationships and future implementation of any new card network - Visa / Mastercard / Rupay / Amex / JCB

Measures of Success (Define the Outcomes expected of the role) :

Maintain portfolio loss rates and delinquencies within the defined benchmarks

Maintain authorization success rate within the defined benchmarks

Design and launch of Campaigns to increase cross-sell as per plan

Process Adherence as per MOU

Technical Skills / Experience / Certification (If any) :

Expertise in Data Analytic & Modelling

Strong understanding of the cards business dynamics that will drive the analysis

Expertise in data analytics and system tools such as SAS, TRIAD, V+, Python

Knowledge of Card networks, Access Control System (ACS), payment processing and regulatory environment

Competencies critical for role with High Proficiency :

Stakeholder Management

Written and verbal Communication

Analytical Skills & Problem Solving

Process Orientation

Agility & responsiveness

Key External Stakeholder(s) :

Credit Bureaus, Card Networks, Vendors (Alternate Data providers)

Key Internal Stakeholder(s) :

All functions

Must have Qualification :

Master’s degree in economics, statistics or business management

Overall experience in role :

6-8 years of Post Qualification Experience

Relevant Experience with respect to the role :

3-5 years of relevant experience in Cards, Payments, Lending

Preferred Industry (If any) :

FSI