AVP Credit Risk Policy Credit Cards

1 month ago

Mumbai, India DBS Bank Full time

Business Function:

Risk Management Group works closely with our business partners to manage the bank’s risk exposure by balancing its objective to maximize returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure.

Job Purpose:

· To frame the credit card policy framework (acquisition and account management policies), processes and workflow, assist in growth of the credit card business in India.

· Credit cards credit policy management and MIS analytics for portfolio monitoring and regular reviews

· Support implementation of credit decision module on Credit cards technology platform

· Partnership with product development, collections, systems and operations team to ensure product development and roll out objectives are met

Key Accountabilities:

· Coordination with relevant stakeholders and ensure alignment of objectives

· Monitor portfolio performance through a structured early warning mechanism

· Ensure system changes keep pace with product development and ensure adequate controls

· Assist on developing Fintech partnerships, vendor empanelment, UAT activities on system changes

· Compliance with all internal and RBI/MAS guidelines

Job Duties and Responsibilities:

· Manage policy / processes for mainly Credit cards for the consumer retail portfolio pan India

· Assist in the preparation & implementation of product programs

· Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions

· Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance

· Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit systems team, credit operations team and collection team

· Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems

· Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions

· Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps

· Ensure issues/action plans arising from Risk & Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up

Experience:

· Minimum 10 years of experience in Consumer Banking (preferably Credit cards/Unsecured loans).

· Exposure to Digital Lending space would be good to have.

Education/Preferred Qualifications:

Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the credit cards business and market.

Tier 1 educational institutions will be given preference.

Core Competencies:

· Good analytical skills

· Good presentation skills

· Good interpersonal skills

· Good knowledge of the industry

Technical Competencies:

· Sound knowledge of policies / lending frameworks followed for credit card product.

· Good knowledge of credit evaluation methods, tools & techniques

· Exposure to Digital channels, FinTechs and online tools of credit dispensation.

· Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.

· Knowledge of various banking products and risks associated with them

· Knowledge of SQL, SAS will be added advantage

Work Relationship:

Good working relationship with Consumer Banking product team, collection team, Consumer Operations, RBI inspectors, regulators and other external agencies.

  • Specialist, Risk Policy CREDIT CARDS

    1 week ago

    Mumbai, India WAY TO GO CONSULTANTS PVT LTD Full time

    To give effective credit support for meeting the business targets.To frame the credit card policy framework (acquisition and account management policies), processes and workflow, assist in growth of the credit card business in IndiaSupport implementation of credit decision module on Credit cards technology platformCredit cards credit policy management and...

  • Specialist, Risk Policy CREDIT CARDS

    1 week ago

    Mumbai Metropolitan Region, India WAY TO GO CONSULTANTS PVT LTD Full time

    To give effective credit support for meeting the business targets.To frame the credit card policy framework (acquisition and account management policies), processes and workflow, assist in growth of the credit card business in IndiaSupport implementation of credit decision module on Credit cards technology platformCredit cards credit policy management and...

  • AVP Credit Risk Policy

    3 weeks ago

    mumbai, India HSBC Full time

    The health and safety of our employees and candidates is very important to us. Due to the current situation related to the Novel Coronavirus (COVID-19), we’re leveraging our digital capabilities to ensure we can continue to recruit top talent at HSBC. As your application progresses, you may be asked to use one of our digital tools to help you through your...

  • AVP Credit Risk Policy

    1 month ago

    Mumbai, India HSBC Full time

    The health and safety of our employees and candidates is very important to us. Due to the current situation related to the Novel Coronavirus (COVID-19), we’re leveraging our digital capabilities to ensure we can continue to recruit top talent at HSBC. As your application progresses, you may be asked to use one of our digital tools to help you through your...

  • Avp - Stpl Credit Risk

    1 month ago

    Mumbai, Maharashtra, India Abacus Consultants Full time

    **12 - 15 years**: **Chartered Accountant (C.A.) | MBA/PGDM**: **Policy - Small Ticket PL- Team Handling**: **35 ~ 38 LPA**: **POSITION DETAILS** **Functional Designation** **Policy Manager - STPL** **Department** **Risk** **Sub Department** **Credit Risk** **HR Grade** **AVP / GM** **Location** **Pune** **Reporting Manager** **VP - Unsecured...

  • Avp Credit Risk

    1 month ago

    Mumbai, India RECR Consultants Full time

    Responsibilities: Credit Risk Management - Managing the overall risk metrics for the organization. Ensuring that the portfolio health is maintained within accepted risk parameters. Risk head will interact with various partner banks and NBFC to setup aligned policies to acquire customer and manage collections - Check and keep track on industry trends, key...

  • Credit Risk

    1 month ago

    Mumbai, India Deutsche Bank Full time

    **In Scope of Position based Promotions (INTERNAL only)** **Job Posting Title: Risk Specialist / Credit Officer** **Location: Mumbai** **Role Description**: Deutsche Bank follows an integrated risk management approach under the independent Risk function, which includes Credit Risk Management. The Credit Risk Management team manages credit risk on behalf...

  • Specialist, Risk Policy

    4 weeks ago

    mumbai, India DBS Bank Full time

    Business Function Risk Management Group works closely with our business partners to manage the bank’s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a...

  • Specialist, Risk Policy

    1 month ago

    Mumbai, India DBS Bank Full time

    Business Function Risk Management Group works closely with our business partners to manage the bank’s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a...

  • Zonal Credit Manager(LAP)

    1 month ago

    mumbai, India Credit Saison India Full time

    Job Responsibilities:- Appraising proposals for LAP  (ticket size upto Rs.1 cr) - both fund based & non fund based, conducting risk analysis, scrutinizing relevant documents before sanctioning loans within defined TAT, client interview, ensuring compliance as per bank's credit policies- Supervising, controlling delinquency and credit loss- Monitoring of...

  • Credit Cards-credit Cards Sales- Sales

    1 month ago

    Navi Mumbai, Maharashtra, India HDFC Bank Full time

    **Group Company**: HDFC Bank Limited **Designation**: Credit Cards-Credit Cards Sales - Sales Officer-Branch **Office Location**: Vashi Sector 28 Navi Mumbai (Branch) **Position description**: Credit Cards-Credit Cards Sales - Sales Officer - Branch **Primary Responsibilities**: - Credit card sales, VYMO calling and conversion on various databases,...

  • Avp Credit Process-nbfc

    4 weeks ago

    Mumbai, India Skillventory Full time

    **AVP Credit Process-NBFC**: - From 8 to 10 year(s) of experience - ₹ Not Disclosed by Recruiter - Mumbaior **Roles and Responsibilities** Credit processdigital lending- Role:_Credit Risk - Salary:_ Not Disclosed by Recruiter - Industry:_Banking - Department:_Risk Management & Compliance - Role Category:_Finance - Employment Type:_Full Time, Permanent -...

  • Rct- Credit Risk Ba

    4 weeks ago

    Mumbai, India Skillventory Full time

    **RCT- Credit Risk BA - AVP - Investment Bank - Mumbai**: - From 8 to 10 year(s) of experience - ₹ Not Disclosed by Recruiter - Mumbaior **Roles and Responsibilities** **Role & Responsibilities**: **Job/Group Overview**: There is a position in the Credit Risk IT team, which focuses on implementing the Regulatory Requirements related to Credit...

  • TheSocials - Credit Risk Analyst

    3 weeks ago

    Mumbai, India TheSocials Full time

    If you think out of the box, have bias to action and a curious mind to apply fundamentals of lending to an unexplored emerging customer profile, then this is an opportunity for you.Location: Mumbai (Work-from-office, 5 days/week)About The Role:- Analyze, build, validate and document credit risk models using best practices.- Hands-on experience in using...

  • Product Management

    6 hours ago

    mumbai, India DBS Bank Full time

    Product Management - Credit Cards-(WD56280) Job Purpose The position will be responsible for driving segment/ segments of credit card program which includes managing the product design, customer offering, pre and post user journeys management, driving customer engagement programs and P&L management. Key Accountabilities End to end ownership...

  • Product Management

    21 hours ago

    Mumbai, India DBS Bank Full time

    Product Management - Credit Cards-(WD56280) Job Purpose The position will be responsible for driving segment/ segments of credit card program which includes managing the product design, customer offering, pre and post user journeys management, driving customer engagement programs and P&L management. Key Accountabilities End to end ownership for...

  • Credit Cards Rewards Manager

    5 hours ago

    mumbai, India DBS Bank Full time

    Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to...

  • Credit Cards Rewards Manager

    23 hours ago

    Mumbai, India DBS Bank Full time

    Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to...

  • Product Lead-Credit Cards

    4 weeks ago

    Mumbai, India IDFC FIRST Bank Full time

    Role/ Job Title:Product Lead -Credit CardFunction/ Department:Credit CardsJob Purpose:The role entails for Implementation of launching, owning and maintaining Credit card products and propositions for the Millennial Segment, taking launches to closure with effective project management, evaluation of solutions and drive towards implementation. Support...

  • Credit Analyst

    4 weeks ago

    Mumbai, India Kotak Mahindra Bank Full time

    Role:Credit AnalystDepartment:Wholesale BankingGrade:Sr. Manager/ AVP/ DVPRoles & Responsibilities:Preparation of Credit Appraisal notes for Large Corporates Clients.Discuss with business on Terms and Conditions for risk assessmentsDiscuss with customers for obtention of information for preparation of CRANs.Monitor the accounts based on the terms stipulated...