Senior Manager Credit Strategy Monitoring

3 - 7 years

15 - 19 Lacs

Posted:1 day ago| Platform: Naukri logo

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Work Mode

Work from Office

Job Type

Full Time

Job Description

About Us
What s in it for YOU
  1. 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
  2. Admirable work deserves to be rewarded. We have a well-curated bouquet of rewards and recognition program for the employees
  3. Dynamic, Inclusive and Diverse team culture
  4. Gender Neutral Policy
  5. Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
  6. Commitment to the overall development of an employee through a comprehensive learning & development framework
Role Purpose
The role is responsible for effective monitoring of dashboards to highlight early warning signs of stress in the portfolio to support implementation of strategies for optimal limit assignment based on income estimation models.
Role Accountability
  1. Support in creation of approval/decline strategy basis credit risk scorecard
  2. Categorize the portfolio into high/medium/low risk & define subsequent treatment
  3. Support in dynamic adjustment of score cut-offs & limits to manage early delinquency
  4. Identify monthly of stress segments and development of mitigation strategies
  5. Create early warning dashboards
  6. Oversee UAT of strategy changes in decision engine
  7. Track detailed soft approval rates, decline reasons & final approval rates & highlight significant changes & steps to improve the same
  8. Analyze alternate data and its use in credit strategy
Measures of Success
  1. Early Delinquency as per agreed threshold
  2. Instances of errors in signed-off system implementations
  3. Effective monitoring of dashboards to highlight early warning signs of stress in the portfolio
  4. Process Adherence as per MOU
Technical Skills / Experience / Certifications
  1. Good working knowledge of SAS, SPSS Modeler, SAS E Miner, Python and R etc. (at least one is required)
  2. Good understanding of market environment and competitor landscape on retail lending
Competencies critical to the role
  1. Analytical ability and Problem solving
  2. Relationship Management
  3. Networking & Collaboration
Qualification
Master s degree in relevant field
Preferred Industry
FSI / Any

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SBI Card logo
SBI Card

Financial Services

New Delhi

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