National Manager Credit Cards Pre-Acquisition Policy

**This role is for one of Weekday’s clients
Salary range: Rs 5000000 - Rs 7000000 (ie INR 50 - 70 LPA)**

Min Experience: 12+ years
Location: Jaipur
JobType: full-time

We are looking for an experienced National Manager – Credit Cards (Pre-Acquisition Policy) to lead the credit policy framework, risk assessment architecture, and underwriting strategies for the credit card portfolio at a national level.

The role is responsible for driving sustainable business growth while designing and implementing robust credit risk management strategies to maintain portfolio quality within defined risk appetite. The ideal candidate should have extensive experience in retail lending risk management, particularly in credit card policy, portfolio risk management, and pre-acquisition underwriting strategies.

Department: Credit & Policy
Reporting To: Head of Credit & Policy – Credit Cards & Unsecured Loans

Requirements

Key Responsibilities

1. Credit Policy and Strategy Formulation

• Acquisition Credit Policy: Design, develop, launch, and implement comprehensive credit policies for the pre-acquisition funnel across different credit card segments.
• Policy Amendments: Continuously monitor portfolio performance and business requirements to identify opportunities for policy enhancements and risk mitigation.
• Credit Limit Management: Review and refine credit limit assignment strategies to optimize initial customer exposure while balancing profitability and credit risk.

2. Portfolio Monitoring and Data Analytics

• Portfolio Risk Management: Define, monitor, and evaluate key risk metrics, with a strong focus on vintage analysis and overall portfolio performance.
• Pre-Acquisition Monitoring: Lead structured reviews of the pre-acquisition portfolio to identify early warning indicators, emerging risks, and potential portfolio deterioration.
• Portfolio Control Charts: Establish and maintain portfolio control charts to monitor credit quality, underwriting thresholds, and portfolio performance.
• Early Warning Systems: Develop and strengthen EWS frameworks to identify potential credit risks and support proactive decision-making.

3. Business Growth Support and Technology Adoption

• Business Partnership: Act as a strategic credit risk partner to cross-functional teams, supporting business expansion, new product initiatives, and growth programs.
• Process and Technology Innovation: Identify and lead initiatives focused on process improvement, automation, and advanced technology adoption to enhance risk management capabilities.