Risk Manager_SUPPORT SERVICES_0898_1288_1082574

Job Description

Function

Risk Policy – Unsecured Retail (Credit Cards – Pre-Acquisition)

Location

Infinity IT park, Mumbai

Job Role

Credit Card Pre-Acquisition Policy Manager

Grade

M5

Number of Positions

1

Job Responsibilities

• Develop, implement, and manage pre-acquisition risk policies and strategies for the credit card business.
• Monitor acquisition portfolio performance, approval trends, sourcing mix, and early delinquency indicators.
• Perform data-driven analysis to identify risk trends across segments, channels, geographies, and profiles.
• Evaluate and refine eligibility criteria, bureau cut-offs, scorecard-based policies, and sourcing rules.
• Partner with Business, Analytics, Product, Operations, and Technology teams for policy execution and risk sign-offs.
• Support implementation of scorecards, digital journeys, and automation initiatives.
• Track key risk KPIs against defined risk appetite and recommend corrective actions.
• Ensure compliance with regulatory and internal risk governance frameworks.

Job Requirements

• Minimum 4 years of experience in credit card / unsecured lending risk or policy roles in Banks, NBFCs, or large financial institutions.
• Strong understanding of pre-acquisition credit risk, bureau data, and policy frameworks.
• Hands-on experience with data analysis tools such as SQL, SAS, or Python and visualization tools like Power BI.
• Strong analytical, problem-solving, and stakeholder management skills.
• Experience in cross-functional coordination and project delivery.

Education

• MBA / BTech / Graduate or Post-Graduate in Statistics, Economics, or related fields.
• Certification or hands-on experience in SQL, SAS, or Python preferred.