Credit Risk Policy Manager

Job Description: Responsible for defining the credit underwriting framework for new as well as existing to bank customersDefining the strategies for Credit Approval and Credit Limit assignmentMonitoring & meeting the acquisition vintage risk levels within the risk appetiteHigh end analytics required for management of risk levels, approval rate, and customer credit profile. Providing data extraction, analysis, and visualization to support company-wide decision making Portfolio management, limit management of the existing card portfolioOwnership of the cross-sell UW engine – generating eligible customer base for CRM/sales teamsDevelopment, testing, and deployment of policy changes in underwriting decision engine (Blaze)Close cooperation with business teams like Sales, CRM, Marking, Digital, and Data ScienceWorking closely with Finance to provide inputs for budgeting, pricing, regulatorsLeveraging big data sources like credit bureau data, SDK data, telecom data, Geo data etc. in UW strategiesEngagement with collections department to optimize the risk levels – proving inputs on sourcing quality trends , key UW changes etc.Analyze data (customer/portfolio/retailer) to identify early warning signals and proactively provide feedback to Anti-Fraud Head to take corrective actions Working Experience with Tableau and SQL is a must.