Lead/Senior Credit Risk Policy - Credit Cards

IndusInd Bank is hiring for Lead/Senior Credit Risk Policy & Analyst - Credit Cards Product - Credit Card Location: Mumbai, India Department: Credit/Risk - Credit Card Job Summary We are seeking a highly experienced professional to join our Credit Risk team as Lead/Senior Credit Risk Policy & Analyst Credit Card Strategy. This role will focus on developing and optimizing Pre and Post acquisition credit risk strategies & driving portfolio growth. The ideal candidate will have strong experience in Credit Card domain in Policy & portfolio management and will work closely with cross-functional teams to deliver business impact. Key Responsibilities 1. Acquisition Policy Very strong understanding and knowhow of policy formulations related activities. Enriching experience in policy documentations and rationalization Well versed with LOS & onboarding/Credit workflow and journey. Strong understanding of BRE related tools and solutioning Exposure in understanding of various committee/Board level related deliverables 2. Credit Strategy & Credit Limit Management Design and implement data-driven credit strategies for Credit line management and account management. Strong knowhow of Credit Limit Management with good exposure in Credit limit enhancement/decrease management Collaborate with decision science teams to calibrate or build credit scorecards and predictive models. 3. Portfolio Risk Management Monitor credit card portfolio KPIs including delinquencies, roll rates, charge-offs, vintage performance, and INDAS/IFRS metrics. Perform regular risk segmentation and cohort analysis to identify deterioration or opportunities. Develop early warning frameworks and recommend risk mitigation actions proactively. 4. Stakeholder Collaboration Partner with product, marketing, collections, and technology teams to align risk strategies with customer experience and business goals. Provide analytical support for new product launches, credit limit enhancement campaigns, and digital onboarding initiatives. Work with compliance and regulatory teams to ensure policy and reporting alignment with RBI and bureau norms. Governance & Audit Ensure credit strategies comply with internal governance and external regulatory requirements (RBI, credit bureau norms, etc.). Prepare and present documentation for audits, policy reviews, and regulatory examinations. Qualifications: Masters degree in Finance, Engineering, or related field. 10 - 14 years of experience in credit risk policy and portfolio management, specifically in the credit card or unsecured lending domain. Strong hands-on experience in data tools: PowerPoint, SQL, Python, R, or SAS. Working knowledge of credit bureau data Additional mandatory preferred Skills & Attributes Excellent communication and presentation skills to influence senior stakeholders. Strong understanding of Indian regulatory landscape for retail lending (RBI guidelines, risk-based pricing, bureau norms) Ability to balance risk and business growth objectives through data-driven decisions. Please share your resume in 9987404716/9167390787 .