Spot Buzzy | Senior Credit Risk Manager | gurugram

2 weeks ago

gurugram, India Spot Buzzy Full time
Description


In this role, you have the opportunity to:-


Develop end- to-end credit cards risk strategy from acquisition, portfolio management, authorization to collections.



Roles and Resposibility are:-

Functional Expertise:-


· Design risk acquisition strategy for credit cards  for both open market & existing postpe customers

· Leverage bureau based insights along with alternate data to assess early & potential losses 

· Early assessment of  segment level loss rates & take quick action on the segments.

· Launch challenger segments & quantify expected benefit & loss from the same.  

· Close interaction with Product team  for recommended changes in the policy or workflow

· Detailed understanding of in-house systems & agility to change legacy systems whenever required

· Collaborating with teams like  – Data Science, Product, Business to setup and monitor underwriting & portfolio strategies.

· Take portfolio action  through offus behavior from bureau/ alternate data triggers

· Monitor implemented strategies  to continuously assess business & risk impact.

· Promote a self-service culture by understanding the trends and behaviors in the Risk reporting and drive through the appropriate enhancements to ensure maximum utilisation of reporting and analytics toolsets.

·Effectively navigate complex problems and ensure systematic problem-solving where risk problems are analyzed, options evaluated and decisions aligned with BharatPe Values

Interaction

· Collaborating with teams like – Data Science, Product, Technology, Business 

Problem Solving

· Hands-on approach to risk segmentation & pro- actively assess risks in the portfolio    


Qualification & Experience:-


5+ years  of Risk Analytics or Portfolio Management experience in Financial Services/Fintech preferably in Credit Card / Unsecured Loan



 Required Skills are :-


· Hands-on experience of defining risk strategies

· Managing portfolio

· Building risk models & policies  along with problem solving and analytical thinking


Behaviors :-


· A Growth & Tech-first Mindset – you are aggressive, have a 10x approach and like to build for scale

· Adept in quantitative analysis, data mining, trend analysis and creating insights within large data eco-system. Proficiency in data tools like SQL/Python

· Experience of Alternate data along with Bureau Data Management and designing Risk Strategies using the same

· Communication and Stakeholder management – you are able to present your point of view cogently and are able to engage effectively with everyone from external partners to CXOs


Challenges & Decisions :-


· Constant identification of changes to be initiated & impact on business & risk.

 


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