Function: Risk Policy – Unsecured Retail (Credit Cards – Pre-Acquisition)
Location: Infinity IT park, Mumbai
Job Role: Credit Card Pre-Acquisition Policy Manager
Grade: M5
Number of Positions: 1
Job Responsibilities • Develop, implement, and manage pre-acquisition risk policies and strategies for the credit card business. • Monitor acquisition portfolio performance, approval trends, sourcing mix, and early delinquency indicators. • Perform data-driven analysis to identify risk trends across segments, channels, geographies, and profiles. • Evaluate and refine eligibility criteria, bureau cut-offs, scorecard-based policies, and sourcing rules. • Partner with Business, Analytics, Product, Operations, and Technology teams for policy execution and risk sign-offs. • Support implementation of scorecards, digital journeys, and automation initiatives. • Track key risk KPIs against defined risk appetite and recommend corrective actions. • Ensure compliance with regulatory and internal risk governance frameworks.
Job Requirements • Minimum 4 years of experience in credit card / unsecured lending risk or policy roles in Banks, NBFCs, or large financial institutions. • Strong understanding of pre-acquisition credit risk, bureau data, and policy frameworks. • Hands-on experience with data analysis tools such as SQL, SAS, or Python and visualization tools like Power BI. • Strong analytical, problem-solving, and stakeholder management skills. • Experience in cross-functional coordination and project delivery.
Education • MBA / BTech / Graduate or Post-Graduate in Statistics, Economics, or related fields. • Certification or hands-on experience in SQL, SAS, or Python preferred.
About Kotak Mahindra Group:
Established in 1985, the Kotak Mahindra Group is one of India’s leading financial services conglomerates. In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the Group’s flagship company, received a banking license from the Reserve Bank of India (RBI). With this, KMFL became the first non-banking finance company in India to become a bank – Kotak Mahindra Bank Limited.
The consolidated balance sheet of Kotak Mahindra Group is over 1 lakh crore and the consolidated net worth of the Group stands at 13,943 crore (approx US$ 2.6 billion) as on September 30, 2012.
The Group offers a wide range of financial services that encompass every sphere of life. From commercial banking, to stock broking, mutual funds, life insurance and investment banking, the Group caters to the diverse financial needs of individuals and the corporate sector. The Group has a wide distribution network through branches and franchisees across India, and international offices in London, New York, California, Dubai, Abu Dhabi, Bahrain, Mauritius and Singapore. For more information, please visit the company’s website at https://www.kotak.bank.in/en/home.html
