Risk Manager

2 days ago

Mumbai, Maharashtra, India beBeeCredit Full time ₹ 1,80,00,000 - ₹ 2,50,00,000
Key Account Manager - Credit Portfolio

As a Key Account Manager for our Retail Assets division, you will play a crucial role in shaping the future of our credit portfolio. Your primary responsibility will be to develop and implement policies that optimize acquisition quality, early delinquency management, and cards portfolio management.

Key Responsibilities:

  • Support policy formulation and optimization for Unsecured Acquisitions and monitoring of acquisition quality/early delinquency
  • Cards portfolio management - CLI and Balance build programs
  • Credit Limit Increase - both proactive and reactive
  • Balance Build / Revenue Enhancement offerings for Cards such as Balance Transfer, Cash on EMI, Loan on Phone
  • Authorizations and Overlimit usage
  • Exposure Management actions such as CLD / Blocking
  • Cross Sell opportunities for liability and asset customers
  • Portfolio bureau score migration and portfolio risk grade monitoring
  • Oversight and management of policy implementation on Credit Decision Rule System
  • Tracking of portfolio performance and policy changes for course correction
  • Initiation of activation, utilization and retention strategies as appropriate for different portfolio segments and ensure that all aspects of portfolio management result in metric profiles consistent with approved credit card program.
  • Ensure policies and programs are compliant with Local Regulations and HSBC FIM/RG - ICS and DQ
  • Interactions with business stakeholders to capture policy asks
  • Generation of Analytics / MIS to support policy changes and policy tracking

Principal Accountabilities:

  • Responsible for supporting INM IWPB Unsecured Risk Head to manage credit risks for retail unsecured lending portfolios
  • Perform analysis on credit test performance, portfolio concentration and credit quality
  • Identify early warning signals and emerging risks, and propose actions to effectively control bad debts within appetite
  • Partner with regional and local market teams on business expansion initiatives (new markets, segments, channels, etc.) and provide guidance for balanced and sustainable growth
  • Work closely with Regional Analytics teams to devise acquisition and account management tests / strategies for credit cards
  • Ensuring required documentation - Policy, change communication, governance and guidelines
  • Ensure adherence to and compliance of Risk controls

Requirements:

  • Post-Graduate (preferably MBA or Post Grad in Statistics/Engineering) with 5-7 years experience in Retail Risk management, preferably with Cards account risk management - with a large local Bank
  • Good understanding of local industry / competition landscape and the consumer credit cycle. Experience with Digital journeys /Fintech
  • Demonstrated ability to identify/surface emerging risks and suggest risk mitigation controls
  • Strong analytical / problem solving capabilities
  • Strong communication and presentation skills
  • Ability to negotiate with Business stakeholders
  • Familiarity with RBI regulations related to Cards, Loans, Digital journeys
  • Fluent with Excel, PPT experience with SAS/data mining tools is a plus
  • Self driven -strong execution skills, high level ownership to drive timely outcomes

Why work at our company?

We offer a dynamic and inclusive work environment where you can grow professionally and personally. Our team is passionate about delivering exceptional results and making a positive impact on our customers' lives. If you're looking for a challenging and rewarding career opportunity, we encourage you to apply.

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