Senior Manager - Credit Portfolio Strategy Manager (Portfolio Optimization)

Role Name:

Position Title:

Sub Vertical:

Function:

Location:

Role Purpose:

Role Accountabilities:

1. Maintain & sustain portfolio delinquency rates below benchmark levels
2. Cross sell offers to low and medium Risk segments
3. Effective Utilization of models and other available data for portfolio optimization
4. Track & monitor portfolio performance and take corrective actions to maintain the portfolio delinquency within benchmark rates
5. Conduct data analytics, modelling and segmentation for portfolio management
6. Cull out segments to optimize the x-sell coverage of the portfolio
7. Promote customer driven actions (increase income driven limit assignment)
8. Create and monitor of portfolio Performance dashboard on time on a monthly basis
9. Review transaction declines daily and highlight the gaps and abnormal pattern
10. Support the implementation of all regulatory guidelines and network enhancements
11. Support management of existing relationships and future implementation of any new card network - Visa / Mastercard / Rupay / Amex / JCB

Measures of Success (Define the Outcomes expected of the role):

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

Technical Skills / Experience / Certification (If any):

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 (ACS), payment processing and regulatory environment

Competencies critical for role with High Proficiency:

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

Key External Stakeholder(s):

• Credit Bureaus, Card Networks, Vendors (Alternate Data providers)

Key Internal Stakeholder(s):

• All Functions

Must have Qualification:

• Master’s degree in economics, statistics or business management

Over-all experience in role:

• 6-8 years of Post Qualification Experience

Relevant Experience with respect to the role:

• 3-5 years of relevant experience in Cards, Payments, Lending

Preferred Industry (If any):

• FSI