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Posted on : 2022-11-15 VP – Credit Risk Strategy Role For A Banking Captive. Loc: BLR/HYD, Exp: 15+ Yrs. Location : Bangalore/Hyderabad
Last Date to Apply 2022-12-15
Job Description



  • The individual will be responsible to lead the Credit Risk team. India team development including driving hiring, training, development and retaining of strong analytical capabilities for the analysts. Manages a team of Associate Managers, Officers, Sr Associates and/or Associates in accomplishing goals and priorities.
  • Leverage advanced predictive analytics, and expert knowledge of credit risk mitigation tools and techniques to detect and mitigate existing and upcoming risks in the portfolio 
  • Develop and optimize strategies across various acquisition channels, build business cases to enhance risk management, customers experience and contribute to sustainable and profitable business growth;
  • Conduct comprehensive analyses to assure timely monitoring of strategy efficacy and accuracy, minimizing credit/operating losses and reputation/compliance risk exposure; 
  • Partner closely with product/marketing, system & technology, finance, compliance and other Card business areas to develop risk criteria and propose new strategies; 
  • Collaborate with various credit, deposit and product groups and external vendors to develop effective ways to manage account decisions, leveraging best practices and new data/tools;  
  • Create and share monitoring reporting and diagnostics on various credit, vintage, product, offer, channel, mix, delinquency, loss rate, usage/revenue and profitability performance information informing line strategy decisions;
  • Drives the discovery of new risk segmentation attributes and recommending value-added and practical solutions for risk management strategy enhancements via sound statistical methods by effectively mining rich and complex data sources.
  • Stay at the leading edge of emerging trends and capabilities in the domains of consumer, credit, risk detection and prevention, with emphasis on digital.
  • Lead implementation of complex initiatives with moderate to high risk for the line of business.
  • Manage communication and collaboration with business heads, Legal, Audit, and regulators on risk related topics.
  • Manage a team of Lead and Senior consultants or cross-functional teams in accomplishing goals and priorities.


Required Qualifications


  • Bachelor’s degree in a quantitative field such as applied mathematics, statistics, engineering, finance, economics, econometrics or computer sciences
  • 10+ years of progressive experience in risk or analytics
  • 10+ years of credit risk experience in cards/unsecured lending
  • 3+ years of management experience leading sizeable teams of analysts / risk professionals
  • Strong Credit Risk analytics skills and comprehensive understanding of cards P&L and risk drivers
  • Knowledge of advanced statistical tools such as Segmentation Tools, Decision Trees, Clustering, Regression, and other analytical techniques
  • Ability to design and structure complex data & modelling framework for monitoring and analytical reporting
  • Ability to lead project teams and coordinate with multiple stakeholders.


Desired Qualifications:


  • Knowledge and understanding of credit card lending practices, policies, and procedures
  • Ability to contribute to strategic decisions and coordinate with multiple stakeholders. Develop consensus and gain buy-in for strategic priorities
  • Strong project management skills with ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
  • Strong ability to develop partnerships and collaborate with other business and functional area
  • Ability to identify and evaluate trends, isolate root cause, and provide swift/thorough resolution 
  • Knowledge and understanding of the key factors impacting credit offerings, including credit risks and regulatory requirements
  • Understanding of risk management practices, extensive knowledge of financial cash flow / NPV model analysis
  • Strong communication, interpersonal and leadership abilities.

Salary Upto 95 Lac + Variable
Industries Type Banking
Employement Type Full Time
Experience 15
Education Bachelor’s degree in a quantitative field

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