Talent.com
No longer accepting applications
Senior Manager - Credit Portfolio & Data Analytics

Senior Manager - Credit Portfolio & Data Analytics

AhedgeJodhpur, IN
15 hours ago
Job description

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
    • Create a job alert for this search

    Portfolio Manager • Jodhpur, IN