Specialist Risk Policy Credit Card

• To give effective credit support for meeting the business targets.
• To frame the credit card policy framework (acquisition and account management policies), processes and workflow, assist in growth of the credit card business in India
• Support implementation of credit decision module on Credit cards technology platform
• Credit cards credit policy management and MIS analytics for portfolio monitoring and regular reviews
• Partnership with product development, collections, systems and operations team to ensure product development and roll out objectives are met

1.     Manage policy / processes for mainly Credit cards for the consumer retail portfolio pan India

2.     Assist in the preparation & implementation of product programs

3.     Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions

4.     Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance

5.     Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit systems team, credit operations team and collection team

6.     Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems

7.     Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions

8.     Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps

9.     Ensure issues/action plans arising from Risk & Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up