This role is for one of Weekday’s clients
Salary range: Rs 5000000 - Rs 7000000 (ie INR 50 - 70 LPA)
Min Experience: 12+ years
Location: Jaipur
JobType: full-time
We are looking for an experienced National Manager – Credit Cards (Pre-Acquisition Policy) to lead the credit policy framework, risk assessment architecture, and underwriting strategies for the credit card portfolio at a national level.
The role is responsible for driving sustainable business growth while designing and implementing robust credit risk management strategies to maintain portfolio quality within defined risk appetite. The ideal candidate should have extensive experience in retail lending risk management, particularly in credit card policy, portfolio risk management, and pre-acquisition underwriting strategies.
Department: Credit & Policy
Reporting To: Head of Credit & Policy – Credit Cards & Unsecured Loans
Requirements
Key Responsibilities
1. Credit Policy and Strategy Formulation
Acquisition Credit Policy: Design, develop, launch, and implement comprehensive credit policies for the pre-acquisition funnel across different credit card segments.
Policy Amendments: Continuously monitor portfolio performance and business requirements to identify opportunities for policy enhancements and risk mitigation.
Credit Limit Management: Review and refine credit limit assignment strategies to optimize initial customer exposure while balancing profitability and credit risk.
2. Portfolio Monitoring and Data Analytics
Portfolio Risk Management: Define, monitor, and evaluate key risk metrics, with a strong focus on vintage analysis and overall portfolio performance.
Pre-Acquisition Monitoring: Lead structured reviews of the pre-acquisition portfolio to identify early warning indicators, emerging risks, and potential portfolio deterioration.
Portfolio Control Charts: Establish and maintain portfolio control charts to monitor credit quality, underwriting thresholds, and portfolio performance.
Early Warning Systems: Develop and strengthen EWS frameworks to identify potential credit risks and support proactive decision-making.
3. Business Growth Support and Technology Adoption
Business Partnership: Act as a strategic credit risk partner to cross-functional teams, supporting business expansion, new product initiatives, and growth programs.
Process and Technology Innovation: Identify and lead initiatives focused on process improvement, automation, and advanced technology adoption to enhance risk management capabilities.
Design of Experiments (DOE): Define, monitor, and manage experimentation frameworks, translating test results and insights into actionable credit policy improvements.
Scalable Risk Solutions: Drive technology-enabled initiatives that improve underwriting efficiency and support sustainable business growth.
4. Governance and Executive Reporting
Risk Reporting: Convert complex portfolio data into meaningful risk reports and insights for senior management and relevant stakeholders.
Exception Reporting: Develop and manage exception reporting frameworks to identify, track, and mitigate policy deviations and high-exposure underwriting decisions.
Policy Governance: Ensure effective implementation, monitoring, and governance of credit policies and underwriting standards.
Stakeholder Communication: Present portfolio performance, risk trends, and policy recommendations to senior leadership and cross-functional teams.
Required Qualifications and Experience
Education
Master's degree in Business Administration (MBA), preferably from a Tier-1 institution.
Chartered Accountant (CA) qualification.
Professional risk management certifications such as FRM or CFA are highly desirable.
Experience
12+ years of experience in retail lending risk management.
Dedicated experience in Credit Card Policy, Portfolio Risk Management, or Pre-Acquisition Strategy.
Proven experience designing and implementing credit policies and underwriting frameworks for credit card portfolios.
Demonstrated…