Assistant Vice President - Credit Strategy Monitoring & Analytics at SBIC External Career Site

Gurgaon, haryana, India -

Full Time

Start Date

Immediate

Expiry Date

01 Jul, 26

Salary

0.0

Posted On

02 Apr, 26

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit strategy, Data modeling, SAS, SPSS Modeler, SAS E Miner, Python, Portfolio monitoring, Risk management, Financial analytics, Decision engine implementation, Relationship management, Networking, Collaboration, Problem solving, Analytical ability

Industry

Financial Services

Description

About the company SBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI Card, the motto 'Make Life Simple' inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone. SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, color, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work. Join us to shape the future of digital payment in India and unlock your full potential. What’s in it for YOU 1. SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees. 2. Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees. 3. Dynamic, Inclusive and Diverse team culture 4. Gender Neutral Policy 5. Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits 6. Commitment to the overall development of an employee through comprehensive learning & development framework Role Purpose The role is responsible for managing the credit strategies for partner specific programs as well as monitoring early warning signs of stress in the portfolio to support implementation of strategies for acquisition and optimal limit assignment based on internal models. Role Accountability 1. Closely work with the co-brand & banca team to manage the credit strategies for partner specific programs 2. Monitor approval rates and delinquency and adherence to credit policy for partner specific programs. 3. Support in dynamic adjustment of score cut-offs & limits to manage early delinquency. 4. Oversee testing (UAT, PVT) and implementation of strategy changes in decision engine. 5. Track detailed soft approval rates, decline reasons, final approval rates, highlight significant changes & steps to improve the same. 6. Analyze alternate data and its use in credit strategy. 7. Facilitate regular asset quality reviews with provision of analytics insights to identify risks/opportunities and recommend relevant actions. 8. Actively drive DRE (Data room exercise) with partners and ensure the same is done within Infosec & Compliance approvals. 9. Track and monitor application & DRE model stability for each individual partner. 10. Work closely with the modeling team to ensure the DRE model output is being used in credit strategy. 11. Work closely with the product / digital team to ensure the End-to-end onboarding process for co-brands through digital channels is working as per expectations. Measures of Success 1. Early Delinquency as per agreed threshold 2. Instances of errors in signed-off system implementations. 3. Effective monitoring of dashboards to highlight early warning signs of stress in the portfolio. Technical Skills / Experience / Certifications 1. Experience in data modeling tools - good working knowledge of SAS, SPSS Modeler, SAS E Miner, Python, etc. (at least one is required) 2. Good understanding of credit cards market environment and competitor landscape on retail lending 3. Exposure to digital channels, fintech’s and online tools for credit lending Competencies critical to the role 1. Analytical ability and Problem Solving 2. Relationship Management 3. Networking & Collaboration Qualification Master’s degree in economics, statistics or business management Preferred Industry FSI

Responsibilities

The role involves managing credit strategies for partner-specific programs and monitoring portfolio stress to support acquisition and limit assignment. You will oversee strategy implementation in decision engines and facilitate asset quality reviews to identify risks and opportunities.