Senior Manager - Risk - NBFC/Banking/FinTech (5-7 yrs)

Description:

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 are:

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 are :

- 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.

NOTE : Mandatory - Candidate required from NBFC, Banking and Fintech only