About the role
Job Description: National Manager – Credit Cards (Pre-Acquisition Policy)
Job Overview
The National Manager – Credit Cards (Pre-Acquisition) will lead the end-to-end credit policy
framework, risk assessment architectures, and underwriting strategies for the credit card portfolio at a
national level. This role is responsible for driving business growth while planning, designing, and
implementing robust Credit Risk management processes and strategies to keep portfolio health within
the company's risk appetite.
Position: National Credit Policy Manager – Credit Cards (Pre-Acquisition)
Department: Credit & Policy
Reports To: Head of Credit & Policy –Credit Cards & Unsecured Loans
Location: Jaipur – JP01
Employment Type: Full-time
Key Responsibilities
1. Credit Policy & Strategy Formulation
Credit Policy formulation for Acquisition: Design, launch, and execute comprehensive
credit policies tailored specifically for the pre-acquisition funnel across various card segments.
Policy Amendments: Continuously monitor portfolio performance and business requirements
to proactively make necessary amendments to existing credit policies.
Credit Limit Management: Regularly review and refine credit limit assignment strategies to
optimize initial exposure and balance profitability against risk.
2. Portfolio Monitoring & Data Analytics
Portfolio Risk Management: Define and monitor key risk metrics, with a strong focus on
vintage analysis and overall portfolio performance behavior.
Pre-Acquisition Monitoring: Lead the ongoing monitoring and structured review of the pre-
acquisition portfolio to spot early indicators of deterioration or emerging risk trends.
Portfolio Control Charts: Establish and leverage portfolio control charts to maintain statistical
oversight on credit quality and underwriting thresholds including EWS framework
3. Business Growth Support & Technology Adoption
Support Business Initiatives: Act as a strategic Credit Risk partner to cross-functional
teams, actively supporting business expansion, new product programs, and DOE’s
Process & Tech Innovation: Identify and lead high-impact initiatives aimed at process
improvement and advanced technology adoption to support scalable business growth and
cutting-edge risk management.
Experimentation Frameworks (DOE): Define, monitor, and manage Design of Experiments (DOE) setups; translate testing learnings directly into actionable credit policy updates.
4. Governance & Executive Reporting
Risk Reporting: Synthesize complex data into appropriate risk reporting formats tailored
dynamically for different stakeholders and leadership audiences.
Exception Reporting: Formulate robust exception reporting systems to highlight, track, and
mitigate policy deviations or high-exposure underwriting decisions.
Required Qualifications & Experience
Education:. Master’s degree (MBA) from Tier-1 institutions, Chartered Accountant (CA), or
professional risk management certification (e.g., FRM, CFA) is highly desirable.
Experience:
o A minimum of 12+ years of experience in retail lending risk management, with a
dedicated track record in Credit Card Policy, Portfolio Risk, or Pre-Acquisition Strategy.
o Demonstrated experience in leading and mentoring credit analysts or risk policy
professionals.
Technical Skills:
Deep familiarity with loan origination decision engines, credit bureau structures, automated underwriting tools and Scorecards.
Strong capability utilizing analytics or reporting software (e.g., SAS, SQL, Python, or advanced Excel) to interpret vintage curves and data trends.
Core Competencies
Analytical Rigor: Exceptional ability to read vintage trends, formulate data-driven experiments, and adjust credit levers objectively.
Strategic Collaboration: Proven skill in balancing the commercial goals of business growth teams with healthy, controlled risk boundaries.
Executive Communication: Excellent presentation skills needed to clarify policy changes and report portfolio health to senior boards and diverse internal teams
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