RBL Bank - Head - Credit Cards Risk Analytics
Job Description
Job Title Head - Credit Card Risk Analytics
Department - Retail Credit and Fraud Analytics
Grade - VP2
Location - JMD Megapolis, Gurgaon
Reporting To Executive Vice President - Retail Analytics
A. 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
B. Position Responsibilities
Sr. Key Responsibilities
1. 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
2. Lead Risk, Collection and Marketing model development and monitoring of the models for Credit Cards portfolio
3. 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
4. Independently manage and lead analytics projects and manage relationship with stakeholders
5. Engage with internal stakeholders - such as Business, Risk, Collection for generating ideas of analytics projects and answer / explain challenges in respective areas
6. Engage with external stakeholders - Partners, Credit Bureaus, Fintechs etc.
7. Manage a large team of 25+ people
C. 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
D. Competency Requirements
a. Technical Skills
Skill Attribute
- SAS / R Advanced knowledge mandatory
- Sql Advanced knowledge mandatory
- Excel Advanced knowledge mandatory
- PPT, Word Doc Advanced knowledge mandatory
b. 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
Apply Now
Job Title Head - Credit Card Risk Analytics
Department - Retail Credit and Fraud Analytics
Grade - VP2
Location - JMD Megapolis, Gurgaon
Reporting To Executive Vice President - Retail Analytics
A. 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
B. Position Responsibilities
Sr. Key Responsibilities
1. 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
2. Lead Risk, Collection and Marketing model development and monitoring of the models for Credit Cards portfolio
3. 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
4. Independently manage and lead analytics projects and manage relationship with stakeholders
5. Engage with internal stakeholders - such as Business, Risk, Collection for generating ideas of analytics projects and answer / explain challenges in respective areas
6. Engage with external stakeholders - Partners, Credit Bureaus, Fintechs etc.
7. Manage a large team of 25+ people
C. 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
D. Competency Requirements
a. Technical Skills
Skill Attribute
- SAS / R Advanced knowledge mandatory
- Sql Advanced knowledge mandatory
- Excel Advanced knowledge mandatory
- PPT, Word Doc Advanced knowledge mandatory
b. 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