- Credit cards, personal loans and projects on Approve-decline, Line assignment, CLI, CLD, Authorization.
- Credit risk strategy development.
- Credit risk strategy development & management for secured & unsecured portfolios across various markets in Asia working with the regional risk teams.
- Accountable for development of Acquisition (Approve-Decline, Line Assignment) and Account Management (Credit Line Increase/Decrease, Authorization) strategies
- Conduct periodic strategy monitoring and mitigation exercise to ensure adherence to risk appetite.
- Establish and set up early warning systems for portfolio trends resulting into proactive risk management.
- Ensure proper control and governance of all credit risk strategy development & management processes. Support process reviews and audits from time to time. Work closely with auditors and reviewers and ensure highest standards are maintained for every analytical solution.
- PhD or Master's degree from reputed university in statistics, economics or any other quantitative fields.
- Strong analytical skills with business analysis experience or equivalent. In-depth knowledge and understanding of financial-services/ banking-operations is a must. Strong understanding of consumer lending products like credit cards, mortgages, loans & overdrafts is a must.
- In depth hands on exposure in core credit risk management and analytics in retail banking or financial institutions.
- Excellent communication skills with technical (the team) and non-technical (senior management in region) counterparts - being able to "translate" between the two worlds is essential.
- Proven leadership track record in dynamic/changing banking environments and complex matrix structure. Ability to establish strong relationships with stakeholders, both internally and externally.
- Strong understanding of the competitor landscape and industry best practices.
- Understanding of new age advanced analytics (Machine Learning) tools and solutions will be preferred. Knowledge of advanced project management especially 'Agile' will be preferred.
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