Vice President - Credit Portfolio Strategy & Data Analytics

Job Description

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 The role is responsible for monitoring the implementation of strategies & policies to ensure portfolio growth, monitoring that delinquencies are within benchmarks through regular tracking mechanisms together with collaborating with cross-functional teams and active stakeholder management to achieve organization goals. Role Accountability Optimize strategy (for SBI Shikhar) through regular engagements with the parent Bank Maintain & sustain profitability in Encash Portfolio while meeting Yearly Targets & maintain delinquency below benchmark Design and implement new programs to generate additional revenue and increase the EMI book Optimize credit line allocation across the portfolio to manage spending & portfolio profitability as per MOU Supervise data analytics, modeling, and segmentation for portfolio management Evaluate portfolio segments with high-risk concentration due to high unsecured credit exposure and take appropriate actions to mitigate risks Oversee end-to-end daily review of transaction declines to maximize authorization rate and optimize extended authorization strategy across portfolio segments Manage existing relationships and future implementation of any new card network - Visa/Mastercard/Rupay/Amex/JCB Approve AI /ML /Automation techniques in business processes to enhance process efficiency and customer experience Oversee successful implementation of the exit process of all secured cards with partner banks Approve segmentation based on sourcing channel, CAT C/SE/BANCA/Open market, moratorium behavior, and card usage pattern Ensure optimal utilization of Bureau/alternate data to launch various cross-sell campaigns and portfolio growth strategies Oversee the development and implementation of effective risk management strategies that help mitigate credit losses and increase portfolio Partner with compliance to understand the recent regulatory/network guidelines and analyze implications on the portfolio in order to respond to regulatory guidelines Assist project lead and work with team members to draft the Business Requirement Documents (BRD) and co-ordinate for approval Influence or lead efforts that support the organizations regulatory compliance Support in all the portfolio-related data requirements as per Regulator s requirement for audit & inspection purposes Maintain portfolio loss rates within the defined benchmarks Resolve customer queries escalated by the customer service team wrt to limit the increase Measures of Success Maintain portfolio loss rates and delinquencies within the defined benchmarks Maintain authorization success rate within the defined benchmarks Achieve cross-sell targets as per agreed MOU Process Adherence as per MOU Technical Skills / Experience / Certifications Expertise in Data Analytics & Modelling Strong understanding of the cards business dynamics that will drive the analysis Expertise in data analytics and system tools such as SAS, TRIAD, V+, Python Knowledge of Card networks, Access Control Sys Competencies critical to the role Stakeholder Management Written and verbal Communication Analytical Skills & Problem Solving Process Orientation Strategic thinking and Innovation Agility & responsiveness Qualification Master s degree in relevant field Preferred Industry FSI / Any