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:

1. Maintain & sustain profitability in Encash Portfolio and delinquency rates below benchmark levels
2. Offers encash & CLI to low and marginal Risk segments, which act as an NEA builder for the portfolio
3. Effective Utilization of data from other bureaus to offer encash to customers
4. Track & monitor portfolio performance and take corrective actions to maintain the portfolio delinquency within benchmark rates
5. Identify opportunity or stress segments in the portfolio and taking appropriate actions (+ve and -ve actions)
6. Conduct data analytics, modelling and segmentation for portfolio management
7. Cull out segments to optimize the x-sell coverage of the portfolio
8. Promote customer driven actions (increase income driven limit assignment)
9. Create and monitor of portfolio Performance dashboard on time on a monthly basis
10. Review transaction declines daily and highlight the gaps and abnormal pattern
11. Support the implementation of all regulatory guidelines and network enhancements
12. Drive portfolio management initiatives through the credit cycle management framework by working in partnership with marketing, IT, operations and collection team
13. Deploy AI /ML /Automation techniques in business processes to enhance process efficiency and customer experience
14. Manage exit process of all secured cards with partner banks
15. 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):

1. Maintain portfolio loss rates and delinquencies within the defined benchmarks
2. Maintain authorization success rate within the defined benchmarks
3. Design and launch of Campaigns to increase cross-sell as per plan
4. Process Adherence as per MOU

Technical Skills / Experience / Certification (If any):

1. Expertise in Data Analytic & Modelling
2. Strong understanding of the cards business dynamics that will drive the analysis
3. Expertise in data analytics and system tools such as SAS, TRIAD, V+, Python
4. Knowledge of Card networks, Access Control System (ACS), payment processing and regulatory environment

Competencies critical for role with High Proficiency:

1. Stakeholder Management
2. Written and verbal Communication
3. Analytical Skills & Problem Solving
4. Process Orientation
5. 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