Senior Manager- Credit Policy

1 week ago


Delhi, Delhi, India RBL Bank Full time
This role is in Credit Policy Team for Credit card product/Unsecured Loan, primary objective of the Credit team is reducing losses and growing good balances with the overall objectives of managing credit cost

Key responsibilities :
Understanding the basic of Credit acquisition policy for sourcing of any new customer. Creation of Credit policy for new sourcing program through various channels ( Open Market/Partner based) for business growth. Evaluate existing Credit policies & process & recommend amendments in line with business goals & regulatory requirements. Liaising with analytic/IT team for creation for Pre-Qualified Dump as per policy & review the dump on regular basis. Keep reviewing the latest regulator guidelines & recommend/Update the policy guidelines in line with the same.

Portfolio monitoring & analyzing the data on regular basis & take action to keep theloss numbers within the Risk appetite threshold.

Effective Implementation of policy /process changes on BRE/LOS system. This include sharing requirement, performing UAT /PVT on system. Regularly interact with key stakeholders & update them on key trends of portfolio & policy changes.

Skillsrequired :
Ability to work on large data sets.

Good Understanding of Microsoft Excel/Power point (must) Knowledge of Analytics tools like SQL, R, Python ( Preferred) Risk (credit / investment, operational, industry and general economy related, others) identification, mitigation, and management.

Banking products and procedures Strong communication skills – verbal, and written (including report writing, presentations, etc)
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