Vice President- Retail Credit Policy

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

• 12–15 yrs of experience
• Machine learning
• Credit risk
• SQL
• SAS
• Power BI
• ETL
• B.Com

Good to have

• Data privacy
• IFRS
• Cross-selling
• Underwriting
• Python
• R