Senior Manager - Credit Portfolio & Data Analytics

Role Accountabilities:

• Maintain and sustain profitability of the Encash portfolio with delinquency rates below benchmark levels
• Offer Encash & CLI (Credit Limit Increase) to low and marginal-risk segments to build the portfolio
• Utilize data from credit bureaus effectively to identify customers for Encash offers
• Track and monitor portfolio performance, taking corrective actions to maintain delinquency within defined limits
• Identify stress and opportunity segments in the portfolio and execute appropriate positive or negative actions
• Conduct data analytics, modeling, and segmentation to optimize portfolio management
• Identify segments to optimize cross-sell coverage within the portfolio
• Promote customer-driven initiatives, such as income-driven limit assignments
• Create and deliver monthly portfolio performance dashboards on time
• Review transaction declines daily, identify gaps and abnormal patterns, and recommend improvements
• Support compliance with regulatory guidelines and network enhancements
• Drive portfolio management initiatives through credit cycle management, collaborating with marketing, IT, operations, and collections teams
• Implement AI, ML, and automation techniques to enhance process efficiency and customer experience
• Manage the exit process for secured cards in partnership with banks
• Support existing relationships and future implementations of new card networks such as Visa, Mastercard, Rupay, Amex, and JCB

Measures of Success:

• Maintain portfolio loss and delinquency rates within benchmarks
• Maintain authorization success rate within benchmarks
• Design and successfully launch cross-sell campaigns as planned
• Adhere to processes as per MOU (Memorandum of Understanding)