IndusInd Bank is hiring for Lead/Senior Credit Risk Policy & Analyst - Credit Cards

Product - Credit Card

Location: Mumbai, India

Department: Credit/Risk - Credit Card

Job Summary

We are seeking a highly experienced qualified to join our Credit Risk team as Lead/Senior Credit Risk Policy & Analyst – Credit Card Strategy. This role will focus on developing and optimizing Pre and Post acquisition credit risk strategies & driving portfolio growth. The ideal candidate will have strong experience in Credit Card domain in Policy & portfolio management and will work closely with cross-functional teams to deliver business impact.

Key Responsibilities

1. Acquisition Policy

Very strong understanding and knowhow of policy formulations related activities.

Enriching experience in policy documentations and rationalization

Well versed with LOS & onboarding/Credit workflow and journey. Strong understanding of BRE related tools and solutioning

Exposure in understanding of various committee/Board level related deliverables

2. Credit Strategy & Credit Limit Management

Design and implement data-driven credit strategies for Credit line management and account management.

Strong knowhow of Credit Limit Management with good exposure in Credit limit enhancement/decrease management

Collaborate with decision science teams to calibrate or build credit scorecards and predictive models.

3. Portfolio Risk Management

Monitor credit card portfolio KPIs including delinquencies, roll rates, charge-offs, vintage performance, and INDAS/IFRS metrics.





Perform regular risk segmentation and cohort analysis to identify deterioration or opportunities.

Develop early warning frameworks and recommend risk mitigation actions proactively.

4. Stakeholder Collaboration

Partner with product, marketing, collections, and technology teams to align risk strategies with customer experience and business goals.

Provide analytical support for new product launches, credit limit enhancement campaigns, and digital onboarding initiatives.

Work with compliance and regulatory teams to ensure policy and reporting alignment with RBI and bureau norms.

5. Governance & Audit

Ensure credit strategies comply with internal governance and external regulatory requirements (RBI, credit bureau norms, etc.).

Prepare and present documentation for audits, policy reviews, and regulatory examinations.

6. Qualifications:

Master’s degree in Finance, Engineering, or related field.

10 - 14 years of experience in credit risk analytics, specifically in the credit card or unsecured lending domain.

Robust hands-on experience in data tools: PowerPoint, SQL, Python, R, or SAS.

Working knowledge of credit bureau data

Additional mandatory preferred Skills & Attributes

· Excellent communication and presentation skills to influence senior stakeholders.

· Strong understanding of Indian regulatory landscape for retail lending (RBI guidelines, risk-based pricing, bureau norms)

· Ability to balance risk and business growth objectives through data-driven decisions.

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📌 Lead/Senior Credit Risk Policy Credit Cards (Mumbai)
🏢 IndusInd Bank
📍 Mumbai