Vice President- Retail Credit Policy
BengaluruFull-time12–15 yrsPosted over a month ago
Leadership retail role at Mashreq Careers in Bengaluru. Needs 12–15 years and a B.Com.
About the role
Manage portfolio risk strategy and performance management for unsecured retail assets, including credit cards, personal loans, BNPL and other digital lending products. Own the end-to-end risk decision framework across acquisition, account management, line assignment, pricing, collections and customer lifecycle management.
What you'll do
- Set and execute portfolio strategies for credit cards, personal loans, BNPL and emerging digital credit propositions, aligned with approved risk appetite
- Own portfolio performance across approval rates, activation, utilization, balances, yield, delinquencies, roll rates, loss rates, risk charge, vintage performance
- Develop granular customer, product, channel, employer, income and behavioral segmentation to identify growth pockets
- Design and govern risk decision frameworks covering eligibility, score cut-offs, affordability, limits, tenor, pricing, line management, cross-sell
- Lead champion–challenger tests and controlled experiments; define success metrics, guardrails and post-implementation monitoring to scale profitable strategies safely
What you need
- Machine learning
- Credit risk
- SQL
- SAS
- Power BI
- ETL
Good to have
- Data privacy
- IFRS
- Cross-selling
- Underwriting
- Python
- R