Senior Manager, Credit Card Portfolio Management (Surat)

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