Manager - DSM - Strategy - Retail MFB

Core Responsibilities:

· Support the Head of Strategy in designing, implementing, monitoring and improving portfolio interventions for effective management of the delinquent portfolio against the background of Product specific strength areas and operating constraints.

· Assist in executing, evaluating, Improving and monitoring portfolio interventions.

· Support in the management of key portfolio indicators and credit cost within budgeted levels.

· Champion a systematic approach towards portfolio management where performance delivery hinges more on an intelligence driven aggregation of robust processes rather than a simple aggression of individual efforts.

· Improve collection efficiency and effectiveness by developing and deploying intelligence based tools such as scorecards.

· Forecast portfolio movement choosing robust modeling techniques and estimate key financial out comes including loss, provisions etc across the retails assets and card suite.

· De-risk unit efficiency through an integrated framework of process and systems.

· Build performance score cards for collections team across levels.

· Forecast and devise staff’s capacitation model to ensure adequate bench strengths to manage incoming collection volumes

· Build senior collection management consensus around proposed approaches of portfolio management and system solutions devised to deliver incremental collections efficiencies.

· Develop strong Analytical platform that would facilitate decision making of factual basis.

· Devise MIS to measure significant aspects- both existing and proposed – of collections performance and review performance of constituent portfolio segment to identify possible areas of focus for collections action.

· Provide inputs to Credit Policy and underwriting on basis of portfolio trends.

· Analyze performance and productivity trends by identifying poor performing segments -leading to focused action in controlling delinquencies and Credit Losses.

Desired Experience: Minimum 6 to 7 years in the field.