National Manager Credit Cards Pre-Acquisition Policy

This role is for one of our clients
 
Industry: Software Development
Seniority level: Mid-Senior level
 
Experience: 7+ yrs
Location: Bengaluru
Job Type: Full-time

We are looking for an experienced National Manager – Credit Cards (Pre-Acquisition Policy) to lead the credit policy framework, risk assessment architecture, and underwriting strategies for the credit card portfolio at a national level.
The role is responsible for driving sustainable business growth while designing and implementing robust credit risk management strategies to maintain portfolio quality within defined risk appetite. The ideal candidate should have extensive experience in retail lending risk management, particularly in credit card policy, portfolio risk management, and pre-acquisition underwriting strategies.
Department: Credit & Policy
Reporting To: Head of Credit & Policy – Credit Cards & Unsecured Loans
Requirements
Key Responsibilities
1. Credit Policy and Strategy Formulation
Acquisition Credit Policy: Design, develop, launch, and implement comprehensive credit policies for the pre-acquisition funnel across different credit card segments.
Policy Amendments: Continuously monitor portfolio performance and business requirements to identify opportunities for policy enhancements and risk mitigation.
Credit Limit Management: Review and refine credit limit assignment strategies to optimize initial customer exposure while balancing profitability and credit risk.
2. Portfolio Monitoring and Data Analytics
Portfolio Risk Management: Define, monitor, and evaluate key risk metrics, with a strong focus on vintage analysis and overall portfolio performance.
Pre-Acquisition Monitoring: Lead structured reviews of the pre-acquisition portfolio to identify early warning indicators, emerging risks, and potential portfolio deterioration.
Portfolio Control Charts: Establish and maintain portfolio control charts to monitor credit quality, underwriting thresholds, and portfolio performance.
Early Warning Systems: Develop and strengthen EWS frameworks to identify potential credit risks and support proactive decision-making.
3. Business Growth Support and Technology Adoption
Business Partnership: Act as a strategic credit risk partner to cross-functional teams, supporting business expansion, new product initiatives, and growth programs.
Process and Technology Innovation: Identify and lead initiatives focused on process improvement, automation, and advanced technology adoption to enhance risk management capabilities.
Design of Experiments (DOE): Define, monitor, and manage experimentation frameworks, translating test results and insights into actionable credit policy improvements.
Scalable Risk Solutions: Drive technology-enabled initiatives that improve underwriting efficiency and support sustainable business growth.
4. Governance and Executive Reporting
Risk Reporting: Convert complex portfolio data into meaningful risk reports and insights for senior management and relevant stakeholders.
Exception Reporting: Develop and manage exception reporting frameworks to identify, track, and mitigate policy deviations and high-exposure underwriting decisions.
Policy Governance: Ensure effective implementation, monitoring, and governance of credit policies and underwriting standards.
Stakeholder Communication: Present portfolio performance, risk trends, and policy recommendations to senior leadership and cross-functional teams.
Required Qualifications and Experience
Education
Master's degree in Business Administration (MBA), preferably from a Tier-1 institution.
Chartered Accountant (CA) qualification.
Professional risk management certifications such as FRM or CFA are highly desirable.
Experience
12+ years of experience in retail lending risk management.
Dedicated experience in Credit Card Policy, Portfolio Risk Management, or Pre-Acquisition Strategy.
Proven experience designing and implementing credit policies and underwriting frameworks for credit card portfolios.
Demonstrated experience leading, mentoring, and managing credit analysts or risk policy professionals.
Strong understanding of acquisition risk assessment and portfolio monitoring methodologies.
Technical Skills
Deep familiarity with Loan Origination Decision Engines (LODE), credit bureau structures, automated underwriting tools, and credit scorecards.
Strong analytical capabilities using SAS, SQL, Python, or advanced Excel.
Hands-on experience interpreting vintage curves, portfolio trends, and credit risk metrics.
Knowledge of data-driven underwriting strategies, portfolio monitoring tools, and risk analytics frameworks.
Must-Have Skills
Credit Card Policy
Portfolio Risk Management
Loan Origination Decision Engines
Pre-Acquisition Credit Strategy
Credit Underwriting
Credit Risk Assessment
Good-to-Have Skills
SAS
SQL
Python
Advanced Excel
Credit Scorecards
Design of Experiments (DOE)
Early Warning Systems (EWS)
FRM / CFA Certification
Core Competencies
Analytical Rigor: Ability to interpret vintage trends, design data-driven experiments, and make objective credit policy recommendations.
Strategic Collaboration: Ability to balance business growth objectives with appropriate risk controls and portfolio quality requirements.
Executive Communication: Strong presentation and communication skills to explain policy changes, communicate portfolio health, and present recommendations to senior leadership.
Leadership and Team Management: Ability to lead, mentor, and develop credit risk and policy teams.
Decision-Making: Strong judgment in evaluating risk exposure, identifying emerging trends, and implementing effective mitigation strategies.