Credit Strategy Monitoring Manager

2 weeks ago

Gurgaon, Haryana, India Sbi Cards And Payment Services Limited Full time ₹ 12,00,000 - ₹ 36,00,000 per year

Senior Manager - Credit Strategy Monitoring

About Us

SBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI Card, the motto 'Make Life Simple' inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone.

SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, colour, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work.

Join us to shape the future of digital payment in India and unlock your full potential.

What's in it for YOU

  1. SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees
  2. Admirable work deserves to be rewarded. We have a well-curated bouquet of rewards and recognition program for the employees
  3. Dynamic, Inclusive and Diverse team culture
  4. Gender Neutral Policy
  5. Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
  6. Commitment to the overall development of an employee through a comprehensive learning & development framework

Role Purpose

The role is responsible for effective monitoring of dashboards to highlight early warning signs of stress in the portfolio to support implementation of strategies for optimal limit assignment based on income estimation models.

Role Accountability

  1. Support in creation of approval/decline strategy basis credit risk scorecard
  2. Categorize the portfolio into high/medium/low risk & define subsequent treatment
  3. Support in dynamic adjustment of score cut-offs & limits to manage early delinquency
  4. Identify monthly of stress segments and development of mitigation strategies
  5. Create early warning dashboards
  6. Oversee UAT of strategy changes in decision engine
  7. Track detailed soft approval rates, decline reasons & final approval rates & highlight significant changes & steps to improve the same
  8. Analyze alternate data and its use in credit strategy

Measures of Success

  1. Early Delinquency as per agreed threshold
  2. Instances of errors in signed-off system implementations
  3. Effective monitoring of dashboards to highlight early warning signs of stress in the portfolio
  4. Process Adherence as per MOU

Technical Skills / Experience / Certifications

  1. Good working knowledge of SAS, SPSS Modeler, SAS E Miner, Python and R etc. (at least one is required)
  2. Good understanding of market environment and competitor landscape on retail lending

Competencies critical to the role

  1. Analytical ability and Problem solving
  2. Relationship Management
  3. Networking & Collaboration

Qualification

Master's degree in relevant field

Preferred Industry

FSI / Any

Experience LevelSenior Level

  • Manager- Credit Monitoring- 5 Years

    2 weeks ago

    Gurgaon, Haryana, India crescendo global Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Job Description Manager- Credit MonitoringExperience: 5 Years - 8 YearsLocation: GurgaonDiscipline: Credit RatingJob type: Permanent Contact Name: Princy ChauhanContact Email: Job Ref: 78726Published: 1 day ago Senior Associate / Manager Credit Monitoring Summary Join a technology-enabled private markets / asset-management analytics firm working with...

  • Credit Rating Analyst

    2 weeks ago

    Gurgaon, Haryana, India Acer Credit Rating Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Role & responsibilities:Credit Analysis & RatingsIndependently work on credit rating assignments across corporates, infrastructure, financial services.Perform in-depth cash flow assessment, and risk analysis on companies / entities.Prepare and present rating rationales, committee notes, and press releases.Monitor assigned portfolio of rated entities and...

  • Credit Manager

    2 weeks ago

    Gurgaon, Haryana, India Zoukloans Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Role PurposeResponsible to curate the deal flow coming on online platform of the organization for underwriting, market intelligence,product parameters.The job holder is broadly responsible for the:Credit underwriting on the customer to make sure that customer fits into various lending parameters.Identify strengths and risks for any proposal and prepare...

  • Senior Credit Manager

    6 days ago

    Gurgaon, Haryana, India L2GFincap Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    ***Job Description – Credit & Operations ManagerLocation: New Delhi / GurugramDepartment: Credit & OperationsReporting To: Senior Management / COO*About Loan2Grow FincapLoan2Grow Fincap is an NBFC focused on innovative short-term credit solutions, including Earned Wage Access (EWA), payday loans, and other financial products catering to both prime and...

  • Credit Manager

    7 hours ago

    Gurgaon, Haryana, India IIFL Finance Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Credit Appraisal, CAM, Board Note preparation as per policy.Financials Analysis & Credit Bureau checks.Initiation of Legal, Technical, Collection feedback, etc along with follow up with respective teams for final vetting.Responsible for processing and underwriting of Construction Finance deals as per credit policy.Understand & Develop Project Budgets and...

  • Manager - Asset Quality Monitoring

    2 weeks ago

    Gurgaon, Haryana, India SBI Card Full time ₹ 12,00,000 - ₹ 24,00,000 per year

    DescriptionAbout the companySBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI...

  • Manager - Asset Quality Monitoring

    4 days ago

    Gurgaon, Haryana, India SBI Card Full time ₹ 8,00,000 - ₹ 12,00,000 per year

    Job DescriptionAbout the companySBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At...

  • Credit Risk Management

    2 days ago

    Gurgaon, Haryana, India Fusion Finance Ltd Full time ₹ 8,00,000 - ₹ 16,00,000 per year

    Role SummaryWe are looking for a manager with expertise in the credit risk area. The ideal candidate will have a solid understanding of credit risk portfolio management, reporting, risk frameworks, and policy formulation, including liquidity management. You will play a crucial role in enhancing our credit portfolio analysis processes and improving our...

  • APAC Credit Specialist- Wholesale

    2 days ago

    Gurgaon, Haryana, India 93931b12-6c30-46c0-977b-024a9c286596 Full time ₹ 1,20,000 - ₹ 6,00,000 per year

    Job PurposeThis role is embedded within a multi-disciplinary team providing a coordinated approach to credit analysis, reporting & credit application decisioning for the APAC financial services. This role will assess the wholesale and off-book risk and credit exposure of FS managed portfolio for many markets of APAC. The person in the role will work closely...

  • Credit Controller

    1 week ago

    Gurgaon, Haryana, India MOVEMATE LOGISTICS Full time ₹ 40,00,000 - ₹ 80,00,000 per year

    Company DescriptionMOVEMATE LOGISTICS is a full spectrum logistics company offering services such as FTL, LTL, Express Cargo, Warehousing, Distribution, and Industrial Packing. We pride ourselves on a high customer satisfaction rate, which we achieve through the integration of innovative technology and process improvements.Role DescriptionThis is a full-time...