Senior Manager - Credit Strategy Monitoring

About Us

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 a comprehensive learning & development framework
  

Role Purpose

Role Accountability

• Support in creation of approval/decline strategy basis credit risk scorecard
• Categorize the portfolio into high/medium/low risk & define subsequent treatment
• Support in dynamic adjustment of score cut-offs & limits to manage early delinquency
• Identify monthly of stress segments and development of mitigation strategies
• Create early warning dashboards
• Oversee UAT of strategy changes in decision engine
• Track detailed soft approval rates, decline reasons & final approval rates & highlight significant changes & steps to improve the same
• Analyze alternate data and its use in credit strategy
  

Measures of Success

• Early Delinquency as per agreed threshold
• Instances of errors in signed-off system implementations
• Effective monitoring of dashboards to highlight early warning signs of stress in the portfolio
• Process Adherence as per MOU
  

Technical Skills / Experience / Certifications

• Good working knowledge of SAS, SPSS Modeler, SAS E Miner, Python and R etc. (at least one is required)
• Good understanding of market environment and competitor landscape on retail lending
  

Competencies critical to the role

• Analytical ability and Problem solving
• Relationship Management
• Networking & Collaboration
  

Qualification

Preferred Industry