Specialist credit portfolio management consumer banking

Business Function Risk Management Group works closely with our business partners to manage the bank's risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure Job Purpose: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.Credit cards credit policy management and MIS analytics for portfolio monitoring and regular reviewsSupport implementation of credit decision module on Credit cards technology platformPartnership with product development, collections, systems and operations team to ensure product development and roll out objectives are metKey Accountabilities:Portfolio performance monitoring through a structured early warning mechanismAssist on developing Fintech partnerships, vendor empanelment, UAT activities on system changesCompliance with all internal and RBI/MAS guidelinesEnsure system changes keep pace with product development and ensure adequate controls Job Duties and Responsibilities:Manage policy / processes for mainly Credit cards for the consumer retail portfolio pan IndiaFacilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actionsDesign & manage MIS reporting for credit cards portfolio - Gather risk/business requirements, interpret and analyze and present them to the Leadership through dashboards, visual reports etc.Streamline and automate credit risk reporting to ensure timely and accurate generation of reporting outputs by required due dates.Link process metrics, performance metrics and set up benchmarks for comparable projects and processesEnsure 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 performanceDrive 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 Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actionsEnsure timely completion of RCSAs including appropriate action plans to address identified control gapsEnsure issues/action plans arising from Risk & Control