Role & responsibilities :
Risk Management: Overseeing the risk associated with offer generation, including credit risk, operational risk, and reputational risk.
Data Management and Analytics:
Managing and analysing vast datasets, running policy waterfalls on offers to identify patterns, trends, and potential risks related to offer generation.
Coding skills on SAS, SQL, and Python etc. is a must.
Well versed in running statistical analysis through Decision tree etc.
Process Governance:
Establishing and maintaining robust processes for offer generation, including data validation, approval workflows, and ongoing monitoring.
Ensuring timely release of offers to all relevant stakeholders
Communication and Collaboration:
Effectively communicating risk-related information to stakeholders, including senior management and business teams.
Collaborate with analytics team, product teams and IT to ensure consistent data.
Compliance:



Ensuring compliance with relevant regulations and internal policies related to offer generation and credit lending.
Industry Knowledge: Solid understanding of the financial services industry, particularly in areas related to credit lending and offer generation.

Preferred candidate profile
At least 6 years of experience with 4 years of Credit Cards data mining policy management.
Robust understanding of unsecured lending products like Credit Card & Personal Loans
Prior experience in managing risk activities in retail lending and portfolio is essential
Graduate/ Postgraduate in Engineering, Statistics, Mathematics, or related field.
6 years of experience in Business Intelligence/ Data Analytics in the banking sector.
Hands on experience in data visualization tools and language like SAS, SQL, and Python.
Should have relevant working knowledge of banking systems, BRE and LOS systems.
Robust communication and stakeholder management skills.

📌 Senior Manager/assistant Vice President, Pre Acquisition Risk Data Min Mumbai (India)
🏢 Kotak Mahindra Bank
📍 India