Job Responsibilities:

Portfolio Monitoring & Strategic Insights

- Own end-to-end portfolio risk monitoring across delinquency, losses, payment behavior, and utilization.

- Lead vintage, cohort, and segmentation analysis to identify structural vs cyclical risk trends.

- Diagnose root causes of performance shifts and quantify P&L and capital impact.

- Define key risk indicators and ensure timely escalation of emerging risks.

- Support creation and maintenance of risk dashboards and MIS.

- Assist in diagnosing portfolio performance changes and segment-level risk drivers.

Acquisition & New Account Risk Strategy

- Own risk assessment of acquisition strategies across channels and products.

- Evaluate early lifecycle risk (FPD, early delinquency) and recommend corrective actions.

- Partner with Product and Marketing to optimize risk-adjusted acquisition growth.

- Challenge business proposals using data-backed risk insights.

Existing Customer Management (ECM) Responsibilities

- Own end-to-end ECM strategy across CLI, CLD, authorization rules, and line management for defined portfolios or segments.

- Define risk-based customer segmentation frameworks using behavioral, transactional, and bureau data.

- Lead design and refinement of ECM policies and control frameworks to align with risk appetite and customer fairness standards.

- Evaluate and approve risk-return trade-offs for ECM initiatives, balancing loss mitigation, spend growth, and customer experience.

- Partner with Fraud, Collections, Product, and Marketing leaders to ensure consistent and effective ECM execution.

- Lead post-implementation performance reviews, identify root causes of deviations, and drive corrective actions.

- Provide clear, executive-ready recommendations for ECM strategy decisions and governance forums.

- Ensure strong controls, documentation, and audit readiness for all ECM-related strategies.

Technical Skills

- Advanced SQL; strong experience in SAS and/or Python.

- Strong command of credit risk analytics: vintage, segmentation, forecasting.

- Expertise in translating analytics into business decisions.

- Advanced PowerPoint storytelling and data visualization.

Analytical & Business Skills

- Deep understanding of credit card lifecycle and risk economics.

- Ability to influence decisions through data and judgment.

- Strong strategic thinking and problem structuring.

- Structured thinking and attention to detail.

- Comfort engaging with senior leadership.

Soft Skills

- Willingness to learn and take increasing ownership.

- Ability to work collaboratively across teams.

- Clear and concise written and verbal communication.

General Skills:

- Good understanding of various risk factors including stress testing, with demonstrated experience in reviewing these factors and challenging any discrepancies.

- Crete value and contributes to the success of the team.

- Ability to work with little or no direction and in a team.

- Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment.