Head - Credit - Card Risk Analytics - Bank

Head Credit Card Risk Analytics for a Bank

Job Description:

Job Title Head: - Credit Card Risk Analytics

Department: Retail Credit and Fraud Analytics

Grade: VP2

Location: Gurgaon

Reporting To: Executive Vice President - Retail Analytics

Position Purpose:

Lead the Card Risk Analytics team which supports the credit cards business in the following areas: Modelling, Acquisition, Credit Risk Management & Fraud Risk

Position Responsibilities:

Sr. Key Responsibilities:

- Drive next generation of analytical solutions in Credit Cards

- Revamp Acquisition Rules to drive profitable and risk-adjusted growth

- Enhance Card Limit assignment framework

- Identify cohorts and segments to drive acquisition volume for various sourcing channels and key co-brand partners

- Drive Portfolio interventions - both Positive and Negative - to identify enhancement opportunities (offer base enhancement, line/loan amount assignment)

- Enhance Fraud Risk Management by enhancing Rule efficacy, developing Fraud Models

- Lead Risk, Collection and Marketing model development and monitoring of the models for Credit Cards portfolio

Drive business efficiencies:

- Focus on Cross-Sell: Develop targeted pre-approved bases for Cross-sell of Loans/Cards to existing customers in the Bank

- Develop portfolio segmentation to enhance customer engagement, encourage profitable spend and reduce Credit losses through sharper interventions

- Work towards achieving Infrastructure enhancements that would facilitate advanced analytics and data science

- Independently manage and lead analytics projects and manage relationship with stakeholders

- Engage with internal stakeholders - such as Business, Risk, Collection for generating ideas of analytics projects and answer / explain challenges in respective areas

- Engage with external stakeholders - Partners, Credit Bureaus, Fintechs etc.

- Manage a large team of 25+ people

Qualifications and Experience Requirement:

Qualifications:

Essential:

- B.E. or B.Tech or MBA or MCA or Economics/Econometrics Masters Degree

Experience:

- Essential 12+ years in Analytics

Competency Requirements:

Technical Skills:

- Skill Attribute

- SAS / R Advanced knowledge mandatory

- SQL Advanced knowledge mandatory

- Excel Advanced knowledge mandatory

- PPT, Word Doc Advanced knowledge mandatory

Behavioural Skills:

Skill Attribute:

- Proactive Identifies and Solves Business problems without guidance from leadership

- Ownership Ability to assume end-to-end ownership of projects/initiatives

- Team management Prior experience of leading large teams

- Good communication skills required / Credit card knowledge mandatory