Portfolio Risk Manager – Credit Card – Banking Dimensions HRD Consultants

The Corporate Institute; Mumbai; On-site; INR 2,500,000 - 4,500,000; Full time

Job summary

The Corporate Institute in Mumbai seeks a seasoned Credit Risk professional to join the Analytics team, focusing on post-acquisition risk strategies and portfolio growth. You will work with cross-functional teams to deliver measurable business impact, calibrate risk models, and ensure RBI and bureau compliance.

Ideal candidates have extensive experience in the credit card or unsecured lending domain and strong proficiency with SQL, Python, R, or SAS, plus a solid grasp of credit bureau data.

Qualifications

• Master’s degree in Finance, Engineering, or related field.
• 10–14 years of experience in credit risk policy, specifically in the credit card or unsecured lending domain.
• Strong hands-on experience in data tools: SQL, Python, R, or SAS.
• Working knowledge of credit bureau data.

Responsibilities

• Policy formulation and enhancement: Continuous rationalization of acquisition credit policy and monitoring of risk KPIs.
• Liaison with stakeholders across Credit, Sales, Operations and other relevant teams on credit initiatives.
• Design and implement data-driven credit strategies for line and account management, calibrating scorecards and models.
• Monitor portfolio KPIs such as delinquencies, roll rates, charge-offs, vintage performance, and IFRS/INDAS metrics; perform risk segmentation and cohort analysis.
• Create dashboards and automated reports with tools like Tableau or Power BI; present findings to senior leadership with business implications.
• Collaborate with product, marketing, collections and technology teams to align risk strategies with customer experience and business goals; support new product launches and digital onboarding initiatives.
• Governance and Audit: ensure compliance with RBI and bureau norms; prepare documentation for audits and regulatory reviews.

Education

Master’s degree in Finance or related field

Tools

SQL

Python

R

SAS

Credit bureau data

Job description

Job Summary:

We are seeking a highly analytical and experienced professional to join our Credit Risk team. This role will focus on developing and optimizing post acquisition credit risk strategies and driving portfolio growth. The ideal candidate will have strong experience in the Credit Card domain in analytics and portfolio management and will work closely with cross‑functional teams to deliver business impact.

Key Responsibilities:

• 1. Policy formulation and enhancement: – Continuous rationalization of acquisition credit policy. Monitoring the effectiveness of policies to ensure achievement of effective portfolio risk KPIs.
• 2. Liaison with stakeholders: – Liaison with Credit, Sales, operations and other relevant stakeholders with credit related initiatives and policy rationalization.
• 3. Credit Strategy and Credit Limit Management: – Design and implement data‑driven credit strategies for Credit line management and account management. Strong knowhow of Credit Limit Management with good exposure in Credit limit enhancement or decrease management. Collaborate with decision science teams to calibrate or build credit scorecards and predictive models.
• 4. Portfolio Risk Management: – Monitor credit card portfolio KPIs including delinquencies, roll rates, charge‑offs, vintage performance, and INDAS/IFRS metrics. Perform regular risk segmentation and cohort analysis to identify deterioration or opportunities. Develop early warning frameworks and recommend risk mitigation actions proactively.
• 5. Data Analytics and Reporting: – Create insightful dashboards and automated reports to track portfolio trends, risk flags, and business outcomes using tools such as Tableau, Power BI, etc. Present findings and recommendations to senior leadership with clear business implications.
• 6. Stakeholder Collaboration: – Partner with product, marketing, collections, and technology teams to align risk strategies with customer experience and business goals. Provide analytical support for new product launches, credit limit enhancement campaigns, and digital onboarding initiatives. Work with compliance and regulatory teams to ensure policy and reporting alignment with RBI and bureau norms.
• 7. Governance and Audit: – Ensure credit strategies comply with internal governance and external regulatory requirements (RBI, credit bureau norms, etc.). Prepare and present documentation for audits, policy reviews, and regulatory examinations.

Qualifications:

• – Master’s degree in Finance, Engineering, or related field.
• – 10 – 14 years of experience in credit risk policy, specifically in the credit card or unsecured lending domain.
• – Strong hands‑on experience in data tools: SQL, Python, R, or SAS.
• – Working knowledge of credit bureau data.

Preferred Skills and Attributes:

• – Strong understanding of Indian regulatory landscape for retail lending (RBI guidelines, risk‑based pricing, bureau norms).
• – Ability to balance risk and business growth objectives through data‑driven decisions.
• – Excellent communication and presentation skills to influence senior stakeholders.