Senior Manager - Credit Portfolio & Data Analytics

Role Overview: As a Senior Manager - Credit Portfolio & Data Analytics in the Post Acquisition sub vertical of Credit & Fraud Risk Management function located in Gurugram, your role is crucial for implementing strategies and policies to drive portfolio growth, maintain delinquencies within benchmarks, and launch campaigns to achieve organizational goals effectively. Key Responsibilities: - Maintain & sustain profitability in Encash Portfolio and keep delinquency rates below benchmark levels - Offer encash & CLI to low and marginal Risk segments, acting as an NEA builder for the portfolio - Utilize data from other bureaus effectively to offer encash to customers - Track & monitor portfolio performance, taking corrective actions to maintain delinquency within benchmark rates - Identify opportunity or stress segments in the portfolio and take appropriate actions - Conduct data analytics, modelling, and segmentation for portfolio management - Optimize x-sell coverage of the portfolio by culling out segments - Promote customer-driven actions such as increase income-driven limit assignment - Create and monitor the portfolio Performance dashboard on time monthly - Review transaction declines daily, highlighting gaps and abnormal patterns - Support the implementation of regulatory guidelines and network enhancements - Drive portfolio management initiatives by collaborating with marketing, IT, operations, and collection teams - Implement AI /ML /Automation techniques in business processes for enhanced efficiency and customer experience - Manage the exit process of all secured cards with partner banks Qualifications Required: - Expertise in Data Analytics & Modelling - Strong understanding of cards business dynamics - Proficiency in data analytics and system tools such as SAS, TRIAD, V+, Python Additional Details: The company operates in the Financial Services Industry and values competencies critical for this role, including Stakeholder Management, Written and Verbal Communication, Analytical Skills & Problem Solving, Process Orientation, Agility & Responsiveness. You will collaborate with key external stakeholders like Credit Bureaus, Card Networks, Vendors and internal stakeholders across all functions. A Masters degree in economics, statistics, or business management along with 6-8 years of post-qualification experience is required for this role.,