Position title: Credit Card Portfolio Senior Manager
Job Description:
1 Credit Risk Management:
• Develop and implement credit risk policies and procedures for the credit card portfolio.
• Conduct ongoing risk assessments and monitor key credit risk indicators.
• Manage credit line assignments and adjustments, balancing risk and profitability objectives.
2 Portfolio Analysis:
• Analyze portfolio performance metrics, including delinquency rates, charge-offs, and profitability.
• Conduct segmentation analysis to identify high-risk segments and opportunities for portfolio growth.
• Utilize data analytics and modeling techniques to forecast portfolio performance and assess the impact of credit strategies.
3 Strategy Development:
• Develop and refine credit card acquisition, account management, and collections strategies.
• Collaborate with cross-functional teams to optimize credit card portfolio performance.
• Identify opportunities to enhance credit risk modeling and decisioning processes.
4 Regulatory Compliance:
• Ensure compliance with regulatory requirements and internal policies governing credit card lending.
• Stay informed about changes in regulations and industry best practices.
• Work closely with Compliance and Legal teams to implement regulatory changes and mitigate compliance risks.
5 Reporting and Communication:
• Prepare regular reports and presentations for senior management on portfolio performance and risk management activities.
• Communicate key insights and recommendations to stakeholders across the organization.