The SVP-Acquisition Risk is responsible for the management of pre and post acquisition risk management for unsecured lending products viz. Credit Card, Personal Loans and Personal Line Of Credit with a view to achieve the annual Loan Impairment Charge plan.
The incumbent will be the guardian of customer onboarding policies, processes and systems, the most significant need is to fulfill and manage front-end risk effectively while attracting and retaining profitable customers.
Drive innovation, leverage industry solutions (e.g. India Stack) to deliver digital onboarding journeys
Management of key stakeholders in Business, Finance, Operations and Regional Risk. Economic profit being the key consideration the solutions that are identified, built and delivered from this unit will need to support varied and critical business parameters across these stakeholders
Manage team activities like portfolio analysis, recommendations, and approval of portfolio actions to both eliminate unwanted risks and drive portfolio growth in support of asset optimization and maximization of income and risk adjusted revenue.
The incumbent will drive portfolio strategies for Current Assets (Risk Based Pricing, Credit Line Management, Authorization Strategies, Cross-Sell Initiatives) and work closely with the Collections Team (Local and Regional) to drive strategies on Collection flows and Recoveries including Debt Workout Solutions like Re-age, Settlements and Restructuring and assist in driving efficiency and improving collection productivity across Cards and Retail Assets.
Lead the Unsecured Risk team to deliver above outcome; develop and coach talent.
