1) Ability to evaluate Credit cards Product programs/Policies in line with regulatory guidelines and build strong controls to mitigate risks across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation etc).
2) Excellent Product knowledge across all elements of Credit Cards Product & have a 360-degree view of the market, strong in risk management skills, ability to have foresight on portfolio direction, loss estimates and how to control the same.
3) Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations and profiles which are delinquent.
4) Ability to shape the risk appetite of the product in line with growth objectives and Risk Appetite framework of the bank alongside risk based pricing
5) Analytical and evaluation ability. Understanding of data and ability to apply same for tracking portfolio performance trends
6) Facilitate implementation of technological interventions like scorecards, digital journeys and automation to streamline processes from login to disbursal
7) Excellent communication skills, both written and verbal.
8) Skilled to manage collaboration across stakeholders and facilitate timely deliveries
9) Exercise due diligence and implement robust risk assessment tools across line functions to ensure a quality portfolio
Underwriting, Policy
QualificationsExperience Range : 10 to 15 Years
Qualifications :
Graduate (Any Specialisation)
CA
MBA
Skills Required
- Experience evaluating credit card product programs
- Excellent product knowledge of credit cards
- Strong risk management skills
- Experience conducting portfolio analysis
- Ability to implement technological interventions
- Strong communication skills
- Collaboration across stakeholders
- Due diligence and risk assessment tools implementation
What We Do
CSB is a full service bank established in 1920 and headquartered in Thrissur, Kerala. CSB has over 703 branches covering not just the district headquarters and large towns but also semi-urban and rural centers. Thanks to its unique origin and history, CSB is considered a household banking brand in Kerala. CSB offers Retail, Wholesale and SME Banking services through its footprint of over 703 branches across the country serving over 2 million customers.
