Senior Manager - Credit Portfolio & Data Analytics

Role Purpose
The role is responsible for ensuring the implementation of strategies & policies to ensure portfolio growth, maintaining delinquencies within benchmarks through regular tracking mechanisms together with designing and launching new campaigns to achieve organization goals.

Role Accountability
1. Maintain & sustain profitability in Encash Portfolio and delinquency rates below benchmark levels 2. Offer encash & CLI to low and marginal-risk segments, which act as an NEA builder for the portfolio 3. Effective Utilization of data from other bureaus to offer encash to customers 4. Track & monitor portfolio performance and take corrective actions to maintain the portfolio delinquency within benchmark rates 5. Identify opportunity or stress segments in the portfolio and take appropriate actions(+ve and -ve actions) 6. Conduct data analytics, modeling, and segmentation for portfolio management 7. Cull out segments to optimize the x-sell coverage of the portfolio 8. Promote customer-driven actions (increase income-driven limit assignment) 9. Create and monitor portfolio Performance dashboard on time every month 10.Review transaction declines daily and highlight the gaps and abnormal pattern 11.Support the implementation of all regulatory guidelines and network enhancements 12.Drive portfolio management initiatives through the credit cycle management framework by working in partnership with marketing, IT, operations and collection team 13.Deploy AI /ML /Automation techniques in business processes to enhance process efficiency and customer experience 14.Manage the exit process of all secured cards with partner banks

15.Support management of existing relationships and future implementation of any
new card network - Visa/Mastercard/Rupay/Amex/JCB

Measures of Success
1. Maintain portfolio loss rates and delinquencies within the defined benchmarks 2. Maintain authorization success rate within the defined benchmarks 3. Design and launch of Campaigns to increase cross-sell as per plan 4. Process Adherence as per MOU

Technical Skills / Experience / Certifications
1. Expertise in Data Analytic & Modelling 2. Strong understanding of the cards business dynamics that will drive the analysis 3. Expertise in data analytics and system tools such as SAS,TRIAD,V+,Python 4. Knowledge of Card networks, Access Control System

Competencies critical to the role
1. Stakeholder Management 2. Written and verbal Communication 3. Analytical Skills & Problem Solving 4. Process Orientation 5. Agility & responsiveness

Qualification
Master's degree in economics, statistics or business management /Any equivalent PG Degree

Preferred Industry
FSI