Job Purpose
• Manage portfolio risk strategy and performance management for unsecured retail assets, including credit cards, personal loans, BNPL and other digital lending products.
• Own the end-to-end risk decision framework across acquisition, account management, line assignment, pricing, collections and customer lifecycle management.
• Use advanced analytics, segmentation and AI/ML models to optimize growth, credit quality, customer outcomes and risk-adjusted profitability.
• Provide the senior leadership team with forward-looking portfolio insights, explicit risk appetite recommendations and timely actions to maintain losses, returns and capital consumption within plan.

Key Result Areas
• Set and execute portfolio strategies for credit cards, personal loans, BNPL and emerging digital credit propositions, aligned with approved risk appetite, growth plans and regulatory requirements.
• Own portfolio performance across approval rates, activation, utilization, balances, yield, delinquencies, roll rates, loss rates, risk charge, vintage performance, expected credit loss,



capital and risk-adjusted returns.
• Develop granular customer, product, channel, employer, income and behavioral segmentation to identify growth pockets, emerging risks and differentiated treatment strategies.
• Design and govern risk decision frameworks covering eligibility, score cut-offs, affordability, limits, tenor, pricing, line management, cross-sell, collections and exit strategies.
• Lead champion–challenger tests and controlled experiments; define success metrics, guardrails and post-implementation monitoring to scale profitable strategies safely.
• Partner with data science teams to develop, validate and deploy application, behavioral, propensity, fraud and early-warning models using traditional and alternative data.
• Establish responsible AI and model governance, including explainability, fairness, drift, stability, override, monitoring and human-oversight standards.
• Build executive da

📌 Vice President- Retail Credit Policy (Bengaluru)
🏢 Mashreq
📍 Bengaluru