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SBI Card
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Assistant Vice President - Portfolio Optimization

Assistant Vice President - Portfolio Optimization

SBI Card

8 - 17 years

25 - 30 Lacs

gurugram

Posted:23 hours ago| Platform:

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Skills Required

analytical skills access control system payment processing sas process orientation wellness business management medical insurance assistant vice president python

Work Mode

Work from Office

Job Type

Full Time

Job Description

What s in it for YOU

SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees.
Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees.
Dynamic, Inclusive and Diverse team culture
Gender Neutral Policy
Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
Commitment to the overall development of an employee through comprehensive learning & development framework

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

Conduct analysis for offering limit enhancement to low and medium risk segments, which act as a NEA builder for the portfolio.
Ensure effective Utilization of data from bureaus to offer limit enhancement to customers.
Propose segments to optimize the x-sell coverage of the portfolio.
Develop portfolio Performance dashboard on time on a monthly basis.
Support implementation of all regulatory guidelines and network enhancements.
Conduct end to end daily review of transaction declines, maximize authorization rate, and propose extended authorization strategy across portfolio segments.
Work closely with the marketing team on campaigns to drive conversions from low & medium risk customers.
Work closely with marketing team on campaigns to reduce transaction declines from low & medium risk customers.
Analyze alternate data available (alternate credit bureau, account aggregator, etc.) which can be leveraged in portfolio optimization.
Work with networks on implementation of any new regulatory or network oriented changes.
Monitor BIN level caps along with marketing team to ensure due process is followed.

Measures of Success

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

Technical Skills / Experience / Certifications

Knowledge of Data Analytic & Modelling
Basic understanding of the cards business dynamics that will drive the analysis.
Knowledge of data analytics and system tools such as SAS, TRIAD, V+, Python
Knowledge of Card networks, Access Control System (ACS), payment processing, and regulatory environment
Process Adherence as per MOU

Competencies critical to the role

Written and verbal Communication
Analytical Skills & Problem Solving
Process Orientation
Agility & Responsiveness

Qualification

Master s degree in economics, statistics or business management

Preferred Industry

FSI

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