Senior Manager - Credit Strategy Monitoring

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    "ExternalDescriptionStr": "<p><span><b>About Us</b></span></p>\n<p><span>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.</span></p>\n<p><span>SBI Card is proud to be an equal opportunity &amp; inclusive employer and welcome employees without any discrimination on the grounds of race, colour, 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.</span></p>\n<p><span>Join us to shape the future of digital payment in India and unlock your full potential.</span></p>\n<p><span><b>What’s in it for YOU</b></span></p>\n<ol>\n <li><span>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</span></li>\n <li><span>Admirable work deserves to be rewarded. We have a well-curated bouquet of rewards and recognition program for the employees</span></li>\n <li><span>Dynamic, Inclusive and Diverse team culture&nbsp;</span></li>\n <li><span>Gender Neutral Policy</span></li>\n <li><span>Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits</span></li>\n <li><span>Commitment to the overall development of an employee through a comprehensive learning &amp; development framework</span></li>\n</ol>\n<p><span><b>Role Purpose</b>&nbsp;</span></p>\n<p><span>The role is responsible for effective monitoring of dashboards to highlight early warning signs of stress in the portfolio to support implementation of strategies for optimal limit assignment based on income estimation models.</span></p>\n<p><span><b>Role Accountability</b>&nbsp;</span></p>\n<ol>\n <li><span>Support in creation of approval/decline strategy basis credit risk scorecard</span></li>\n <li><span>Categorize the portfolio into high/medium/low risk &amp; define subsequent treatment&nbsp;</span></li>\n <li><span>Support in dynamic adjustment of score cut-offs &amp; limits to manage early delinquency</span></li>\n <li><span>Identify monthly&nbsp; of stress segments and development of mitigation strategies</span></li>\n <li><span>Create early warning dashboards</span></li>\n <li><span>Oversee UAT of strategy changes in decision engine</span></li>\n <li><span>Track detailed soft approval rates, decline reasons &amp; final approval rates &amp; highlight significant changes &amp; steps to improve the same</span></li>\n <li><span>Analyze alternate data and its use in credit strategy</span></li>\n</ol>\n<p><span><b>Measures of Success</b>&nbsp;</span></p>\n<ol>\n <li><span>Early Delinquency as per agreed threshold</span></li>\n <li><span>Instances of errors in signed-off system implementations</span></li>\n <li><span>Effective monitoring of dashboards to highlight early warning signs of stress in the portfolio</span></li>\n <li><span>Process Adherence as per MOU</span></li>\n</ol>\n<p><span><b>Technical Skills / Experience / Certifications</b></span></p>\n<ol>\n <li><span>Good working knowledge of SAS, SPSS Modeler, SAS E Miner, Python and R etc. (at least one is required)</span></li>\n <li><span>Good understanding of market environment and competitor landscape on retail lending</span></li>\n</ol>\n<p><span><b>Competencies critical to the role</b></span></p>\n<ol>\n <li><span>Analytical ability and Problem solving</span></li>\n <li><span>Relationship Management</span></li>\n <li><span>Networking &amp; Collaboration</span></li>\n</ol>\n<p><span><b>Qualification</b>&nbsp;</span></p>\n<p><span>Master’s degree in relevant field</span></p>\n<p><span><b>Preferred Industry</b></span></p>\n<p><span>FSI / Any</span></p>",
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