Credit Card Risk Specialist

6 days ago


Mumbai, Maharashtra, India IDFC FIRST Bank Full time

Job Title: Credit Card Risk Specialist

Job Summary:

The Credit Card Risk Specialist will be responsible for assessing, managing, and reporting risks for the Corporate Credit Card vertical for IDFC FIRST Bank. The role entails the end-to-end drafting of credit policies and implementing strategies in the Business Risk and Engineering (BRE) department, along with stakeholder management.

Key Responsibilities:

  • Develop and maintain a sound understanding of financial statements and reports, cash flow, balance sheets, financial ratios, and type of liabilities.
  • Ensure effective coverage of risk and that the asset portfolio is in line with the desired risk level. Prepare risk assurance reports and summaries for senior management to develop strategies aligning to the larger objectives of the bank.
  • Work with the Business, Credit, and Group Risk Team to formulate policy constructs, drive improvements, and enhancements based on experience and assessments performed.
  • Document key risk indicators and controls for any critical process or key product launch.
  • Support the review and assessment of the asset portfolio and early warning signal effectiveness to minimize portfolio risk.
  • Generate portfolio risk reports and dashboards, disseminate, and follow up accordingly in adherence to defined procedures and quality standards.
  • Assist in performing a periodical review of the bank's products and processes, provide risk mitigation controls, and training to the business to facilitate optimum protection of IDFC's business interests.

Education Qualification:

Graduation: Bachelor's in Engineering / Technology / Management/ Computers/Science.

Post-graduation: MBA.

Experience: 2 to 5 years of relevant experience.



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