Senior Manager - Credit Portfolio & Data Analytics

Senior Manager - Credit Portfolio & Data Analytics

Job Description:

The role is responsible for ensuring the implementation of strategies & policies to
ensure portfolio growth, maintaining delinquencies within benchmarks through regular tracking mechanisms together with designing and launching new campaigns to achieve organization goals.

Role Accountability

- Maintain & sustain profitability in Encash Portfolio and delinquency rates below benchmark levels

- Offer encash & CLI to low and marginal-risk segments, which act as an NEA builder for the portfolio

- Effective Utilization of data from other bureaus to offer encash to customers

- Track & monitor portfolio performance and take corrective actions to maintain the portfolio delinquency within benchmark rates

- Identify opportunity or stress segments in the portfolio and take appropriate actions(+ve and -ve actions)

- Conduct data analytics, modeling, and segmentation for portfolio management

- Cull out segments to optimize the x-sell coverage of the portfolio

- Promote customer-driven actions (increase income-driven limit assignment)

- Create and monitor portfolio Performance dashboard on time every month

- Review transaction declines daily and highlight the gaps and abnormal pattern

- Support the implementation of all regulatory guidelines and network enhancements

- Drive portfolio management initiatives through the credit cycle management framework by working in partnership with marketing, IT, operations and collection team

- Deploy AI /ML /Automation techniques in business processes to enhance process efficiency and customer experience

- Manage the exit process of all secured cards with partner banks

- Support management of existing relationships and future implementation of any new card network - Visa/Mastercard/Rupay/Amex/JCB

Measures of Success

- Maintain portfolio loss rates and delinquencies within the defined benchmarks

- Maintain authorization success rate within the defined benchmarks

- Design and launch of Campaigns to increase cross-sell as per plan

- Process Adherence as per MOU

Technical Skills / Experience / Certifications

- Expertise in Data Analytic & Modelling

- Strong understanding of the cards business dynamics that will drive the analysis

- Expertise in data analytics and system tools such as SAS,TRIAD,V+,Python

- Knowledge of Card networks, Access Control System

Competencies critical to the role

- Stakeholder Management

- Written and verbal Communication

- Analytical Skills & Problem Solving

- Process Orientation

- Agility & responsiveness