01Key Responsibilities
Lead credit card strategy across acquisition, underwriting, credit line management, pricing, instalment programmes, and collections.
Manage portfolio performance and drive sustainable, risk-adjusted growth.
Develop and refine credit policies, risk appetite, decision frameworks, and portfolio guardrails.
Monitor portfolio health, including delinquency, utilisation, profitability, customer behaviour, and vintage performance.
Use internal, bureau, and alternative data to identify opportunities and improve results.
Partner with cross-functional teams to design, test, and scale current credit strategies.
Drive structured experimentation through testing, monitoring, and performance reviews.
Develop collections and recovery strategies to improve portfolio outcomes.
Build and lead a high-performing credit strategy and analytics team.
Ensure compliance with regulatory requirements and internal governance standards.
Present portfolio insights and recommendations to senior leadership.
Qualifications:
Required:
Bachelor's degree in Finance, Economics, Mathematics, Statistics, Engineering, Business, or a related field.
12+ years of experience in credit risk, portfolio management, credit analytics, or credit strategy within banking, lending, or fintech.
Robust experience managing credit card or revolving lending portfolios.
Deep understanding of the consumer credit lifecycle, from acquisition through collections.
Proven ability to manage portfolio performance and deliver strong risk-adjusted .
