Risk Manager_SUPPORT SERVICES_0898_1288_1082574

Kotak Mahindra Bank; Maharashtra; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Kotak Mahindra Bank in Mumbai seeks a Credit Card Pre-Acquisition Policy Manager to develop and manage risk policies for the unsecured credit card business. The role focuses on evaluating eligibility, improving bureau-derived criteria, and aligning with risk governance.

You will partner with analytics, product, operations, and tech teams to implement policy changes, monitor portfolio performance, and drive data-driven decisioning in a dynamic lending environment.

Qualifications

• 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.

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.

Skills

SQL

SAS

Python

Power BI

Stakeholder management

Data analysis

Pre-acquisition risk

Education

MBA

B.Tech

Statistics

Economics

Tools

SQL

SAS

Python

Power BI

Job description

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.