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Senior Manager - Risk Mitigation Strategy

Senior Manager - Risk Mitigation Strategy

SBI Card

3 - 6 years

15 - 20 Lacs

gurugram

Posted:2 days ago| Platform:

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Skills Required

payment processing sas process orientation cics data quality medical insurance portfolio management fsi python risk mitigation

Work Mode

Work from Office

Job Type

Full Time

Job Description

About the company

At SBI Card, the motto Make Life Simple inspires every initiative, ensuring that customer convenience is at the forefront of all that we'do. We are committed to building an environment where people can thrive and create a better future for everyone.

Join us to shape the future of digital payment in India and unlock your full potential.

What s in it for YOU

SBI Card truly lives by the work-life balance philosophy. We offer a robust we'llness and we'llbeing program to support mental and physical health of our employees.
Admirable work deserves to be rewarded. We have a we'll 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 comprehensive learning & development framework

Role Purpose

The role is responsible for implementing risk mitigation strategies & policies to ensure portfolio delinquencies are within benchmarks. The role is also responsible for ensuring the CIC reporting and periodic refresh process is managed with no errors.

Role Accountability

Track & monitor portfolio performance and propose corrective actions to maintain the portfolio delinquency within benchmark rates.
Identify opportunity or stress segments in the portfolio and suggest appropriate actions (+ve and -ve actions)
Develop portfolio Performance dashboard on time on a monthly basis.
Support implementation of all regulatory guidelines and network enhancements.
Conduct data analytics, modelling, and segmentation for portfolio management.
Close monitoring of the credit bureau reporting process across all 4 credit bureaus.
Credit SPOC for handling customer disputes related to CIC reporting as escalated by CS team.
Improvement of data quality of data submissions to CICs including reduction in data rejects by CICs.
Ensure changes in credit reporting basis CIC regulations are implemented accurately and timely.
Ensure portfolio refresh through CICs are done on a regular basis and the data is consumed in downstream systems.
Ensure the risk mitigation strategies are updated on a regular basis with the consumption of new data sources (e. g. alternate credit bureau, Account aggregator, etc )
Work closely with the collections strategy team to ensure high risk segments are addressed proactively through reminder campaigns, etc

Measures of Success

Ensuring successful execution of portfolio strategies as per agreed plan
Timely tracking of authorization success rate to ensure staying within defined benchmarks.
Timely creation and monitoring of portfolio metrics

Technical Skills / Experience / Certifications

Knowledge of Data Analytic & Modelling
Basic understanding of the cards business dynamics that will drive the analysis.
Knowledge of data analytics and system tools such as SAS, TRIAD, V+, Python
Knowledge of Card networks, Access Control System (ACS), payment processing, and regulatory environment
Process Adherence as per MOU

Competencies critical to the role

Written and verbal Communication
Analytical Skills & Problem Solving
Process Orientation
Agility & Responsiveness

Qualification

masters degree in economics, statistics or business management

Preferred Industry

FSI

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Senior Manager - Risk Mitigation Strategy