Role: Assistant Vice President - Portfolio Optimization

Location: Gurugram, India

Job Description

Role Purpose

The role is responsible for implementing portfolio optimization strategies for low & medium risk customers to ensure the overall portfolio delinquencies are within the benchmark. The role is also responsible to monitor authorizations rates and ensure these are within benchmarks.

Role Accountability

1. Conduct analysis for offering limit enhancement to low and medium risk segments, which act as a NEA builder for the portfolio.
2. Ensure effective Utilization of data from bureaus to offer limit enhancement to customers.
3. Propose segments to optimize the x-sell coverage of the portfolio.
4. Develop portfolio Performance dashboard on time on a monthly basis.
5. Support implementation of all regulatory guidelines and network enhancements.
6. Conduct end to end daily review of transaction declines, maximize authorization rate, and propose extended authorization strategy across portfolio segments.
7.



Work closely with the marketing team on campaigns to drive conversions from low & medium risk customers.
8. Work closely with marketing team on campaigns to reduce transaction declines from low & medium risk customers.
9. Analyze alternate data available (alternate credit bureau, account aggregator, etc.) which can be leveraged in portfolio optimization.
10. Work with networks on implementation of any current regulatory or network oriented changes.
11. Monitor BIN level caps along with marketing team to ensure due process is followed.

Measures of Success

1. Ensuring successful execution of portfolio strategies as per agreed plan
2. Timely tracking of authorization success rate to ensure staying within defined benchmarks
3. Timely creation and monitoring of portfolio metrics

Technical Skills / Experience / Certifications

1. Knowledge of Data Analytic & Modelling
2. Basic understanding of the cards business dynamics that will drive the analysis.
3. Knowledge of

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