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 recent 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.
- Strong 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 returns.
- Strong analytical and problem-solving skills.
- Experience with credit bureau data, scorecards, decision engines, and alternative data sources.
- Proven people leadership and stakeholder management experience.
- Strong communication and presentation skills.
Preferred:
- Experience in a digital bank or high-growth fintech environment.
- Exposure to credit policy, portfolio governance, or expected credit loss frameworks.
- Familiarity with AI/ML-driven credit models and experimentation frameworks.
- FRM, CFA, or similar professional certifications. .
