Specialist, Risk Policy CREDIT CARDS
3 weeks ago
Job Duties and Responsibilities:
1. Manage policy / processes for mainly Credit cards for the consumer retail portfolio pan India2. Assist in the preparation & implementation of product programs3. Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions4. 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 performance5. 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 team6. Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems7. Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions8. Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps9. 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 15 years of experience in Consumer Banking with minimum 5 years experience in Credit Cards – Credit Risk Policy
Exposure to Digital Lending space would be good to have.
Core Competencies
1. Good analytical skills2. Good presentation skills3. Good interpersonal skills4. Good knowledge of the financial services/banking industry
Technical Competencies
1. Sound knowledge of policies / lending frameworks followed for this product.2. Good knowledge of credit evaluation methods, tools & techniques3. Exposure to Digital channels, Fintechs and online tools of credit dispensation.4. 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.5. Knowledge of various banking products and risks associated with them
Work Relationship
Good working relationship with Consumer Banking Relationship team, Consumer Operations, other product teams, RBI inspectors, regulators and other external agencies.
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