Description
Ability to evaluate Credit cards Product programs/Policies in line with regulatory guidelines and build robust 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 (India)
🏢 CSB Bank
📍 India