Senior Manager – Risk Management – Credit Cards

Inamul Hasan; Gurugram District; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

A leading financial services firm in Gurugram is seeking an experienced Risk Analytics professional to develop strategies for credit cards and portfolio management. The ideal candidate has over 5 years of experience and a strong background in defining risk strategies, analytical thinking, and collaboration with cross-functional teams like Data Science and Product. This role challenges you to navigate complex problems and implement effective risk management processes.

Qualifications

• 5+ years of Risk Analytics or Portfolio Management experience in Financial Services/Fintech preferably in Credit Card / Unsecured Loan.
• Hands-on experience of defining risk strategies.
• Experience of Alternate data along with Bureau Data Management.

Responsibilities

• Develop end-to-end credit cards risk strategy from acquisition, portfolio management, authorization to collections.
• Design risk acquisition strategy for credit cards for both open market & existing customers.
• Monitor implemented strategies to continuously assess business & risk impact.

Skills

Problem Solving Skill

Defining Risk strategies

Analytical thinking

Building risk models & policies

Portfolio management

Tools

SQL

Python

Job description

Website: https://bharatpe.com

Required Skills: Problem Solving Skill, Defining Risk strategies, Analytical thinking, Building risk models & policies, Portfolio management

In this role, you have the opportunity to:

• Develop end-to-end credit cards risk strategy from acquisition, portfolio management, authorization to collections.

Roles and Responsibility:

• Functional Expertise:

• Design risk acquisition strategy for credit cards for both open market & existing postpe customers
• Leverage bureau based insights along with alternate data to assess early & potential losses
• Early assessment of segment level loss rates & take quick action on the segments.
• Launch challenger segments & quantify expected benefit & loss from the same.
• Close interaction with Product team for recommended changes in the policy or workflow
• Detailed understanding of in-house systems & agility to change legacy systems whenever required
• Collaborating with teams like – Data Science, Product, Business to setup and monitor underwriting & portfolio strategies.
• Take portfolio action through offus behavior from bureau/ alternate data triggers
• Monitor implemented strategies to continuously assess business & risk impact.
• Promote a self-service culture by understanding the trends and behaviors in the Risk reporting and drive through the appropriate enhancements to ensure maximum utilisation of reporting and analytics toolsets.
• Effectively navigate complex problems and ensure systematic problem-solving where risk problems are analyzed, options evaluated and decisions aligned with BharatPe Values

Interaction: Collaborating with teams like – Data Science, Product, Technology, Business

Problem Solving:

• Hands-on approach to risk segmentation & pro- actively assess risks in the portfolio

Qualification & Experience:

• 5+ years of Risk Analytics or Portfolio Management experience in Financial Services/Fintech preferably in Credit Card / Unsecured Loan

Required Skills:

• Hands-on experience of defining risk strategies
• Managing portfolio
• Building risk models & policies along with problem solving and analytical thinking

Behaviors:

• A Growth & Tech-first Mindset – you are aggressive, have a 10x approach and like to build for scale
• Adept in quantitative analysis, data mining, trend analysis and creating insights within large data eco-system. Proficiency in data tools like SQL/Python
• Experience of Alternate data along with Bureau Data Management and designing Risk Strategies using the same
• Communication and Stakeholder management – you are able to present your point of view cogently and are able to engage effectively with everyone from external partners to CXOs

Challenges & Decisions:

• Constant identification of changes to be initiated & impact on business & risk.