Description

- Ability to evaluate Credit cards Product programs/Policies in line with regulatory guidelines and build strong controls to mitigate risks across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation etc).
- Excellent Product knowledge across all elements of Credit Cards Product & have a 360-degree view of the market, solid in risk management skills, ability to have foresight on portfolio direction, loss estimates and how to control the same.
- Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations and profiles which are delinquent.
- Ability to shape the risk appetite of the product in line with growth objectives and Risk Appetite framework of the bank alongside risk based pricing
- Analytical and evaluation ability.



Understanding of data and ability to apply same for tracking portfolio performance trends
- Facilitate implementation of technological interventions like scorecards, digital journeys and automation to streamline processes from login to disbursal
- Excellent communication skills, both written and verbal.
- Skilled to manage collaboration across stakeholders and facilitate timely deliveries
- Exercise due diligence and implement robust risk assessment tools across line functions to ensure a quality portfolio

Responsibilities

Underwriting, Policy

Qualifications

Experience Range : 10 to 15 Years

Qualifications

Graduate (Any Specialisation)

CA

MBA

📌 Lead Policy - Credit Cards| Mumbai
🏢 CSB Bank
📍 Mumbai