Skip to content
CV Rocket
Get started
How it worksThe enginePricingBlogContactSign in

Open nowPosted 7 hours ago

National Manager Credit Cards Pre-Acquisition Policy

Weekday AI

Where
Jaipur, RJ, India
Get the CV for this job

From $25 per CV, paid once. No subscription.

Your applicationOpen nowNational Manager Credit Cards Pre-Acquisition PolicyWeekday AI · Jaipur, RJ, India

  1. YouYes, apply to this one.

  2. CV RocketCV written for this posting.

  3. 25 readersRecruiter, hiring manager, skeptic. Round after round.

  4. CV RocketApplied on Weekday AI's own form.

The reply lands in your private mailbox

3×more interviews than doing it yourself with ChatGPT.

The clock on this job

Early applications get read.

12.8% of postings close within 7 days. Measured by our own scanner across the market.

Share of postings closed within
  1. 2.2%1 day
  2. 4.5%3 days
  3. 12.8%7 days
  4. 20.6%14 days
  5. 35.6%30 days
  6. 58.4%60 days
This job: posted 7 hours ago

The posting

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.
  • Design of Experiments (DOE): Define, monitor, and manage experimentation frameworks, translating test results and insights into actionable credit policy improvements.
  • Scalable Risk Solutions: Drive technology-enabled initiatives that improve underwriting efficiency and support sustainable business growth.

4. Governance and Executive Reporting

  • Risk Reporting: Convert complex portfolio data into meaningful risk reports and insights for senior management and relevant stakeholders.
  • Exception Reporting: Develop and manage exception reporting frameworks to identify, track, and mitigate policy deviations and high-exposure underwriting decisions.
  • Policy Governance: Ensure effective implementation, monitoring, and governance of credit policies and underwriting standards.
  • Stakeholder Communication: Present portfolio performance, risk trends, and policy recommendations to senior leadership and cross-functional teams.

Required Qualifications and Experience

Education

  • Master's degree in Business Administration (MBA), preferably from a Tier-1 institution.
  • Chartered Accountant (CA) qualification.
  • Professional risk management certifications such as FRM or CFA are highly desirable.

Experience

  • 12+ years of experience in retail lending risk management.
  • Dedicated experience in Credit Card Policy, Portfolio Risk Management, or Pre-Acquisition Strategy.
  • Proven experience designing and implementing credit policies and underwriting frameworks for credit card portfolios.
  • Demonstrated experience leading, mentoring, and managing credit analysts or risk policy professionals.
  • Strong understanding of acquisition risk assessment and portfolio monitoring methodologies.

Technical Skills

  • Deep familiarity with Loan Origination Decision Engines (LODE), credit bureau structures, automated underwriting tools, and credit scorecards.
  • Strong analytical capabilities using SAS, SQL, Python, or advanced Excel.
  • Hands-on experience interpreting vintage curves, portfolio trends, and credit risk metrics.
  • Knowledge of data-driven underwriting strategies, portfolio monitoring tools, and risk analytics frameworks.

Must-Have Skills

  • Credit Card Policy
  • Portfolio Risk Management
  • Loan Origination Decision Engines
  • Pre-Acquisition Credit Strategy
  • Credit Underwriting
  • Credit Risk Assessment

Good-to-Have Skills

  • SAS
  • SQL
  • Python
  • Advanced Excel
  • Credit Scorecards
  • Design of Experiments (DOE)
  • Early Warning Systems (EWS)
  • FRM / CFA Certification

Core Competencies

  • Analytical Rigor: Ability to interpret vintage trends, design data-driven experiments, and make objective credit policy recommendations.
  • Strategic Collaboration: Ability to balance business growth objectives with appropriate risk controls and portfolio quality requirements.
  • Executive Communication: Strong presentation and communication skills to explain policy changes, communicate portfolio health, and present recommendations to senior leadership.
  • Leadership and Team Management: Ability to lead, mentor, and develop credit risk and policy teams.
  • Decision-Making: Strong judgment in evaluating risk exposure, identifying emerging trends, and implementing effective mitigation strategies.
From $25, paid onceGet the CV for this job

What happens when you press

One press. We do the rest.

  1. A CV for this posting

    Written against Weekday AI's own wording, from every piece of relevant proof in your profile.

  2. 25 readers review it

    Recruiter, hiring manager, skeptic and more read every draft, round after round. You get the best round.

    The review screen in CV Rocket: how each CV was read, round by round.

  3. We apply on Weekday AI's form

    Our application engine gets through the hardest forms there are. Where a question needs you, AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

    An application in CV Rocket: every answer filled in on the employer's form.

  4. Every reply, sorted

    Weekday AI's answer lands in your private mailbox, and we classify it on arrival: interview, question, rejection.

    The CV Rocket inbox: each employer reply classified as an interview, an action or a rejection.

  5. Reply with AI

    AI helps you write the email, checks it and sends it. We show you whether the recruiter read it.

  6. The interview in your calendar

    Full integration with your calendar. The invitation goes straight in.

    An interview invitation in the CV Rocket inbox, added to the candidate's calendar.
Get the CV for this job

From $25 per CV, paid once. No subscription.

Why it works

3×

more interviews than doing it yourself with ChatGPT.

ChatGPT writes a CV and never learns what happened to it. We see every reply. For each CV we know:

  • How it was written, and how the review scored it
  • When we applied, and how long after the posting went up
  • Which posting, which company, which city
  • Who got the interview, and who heard nothing

That is how we know which CVs get called.

Get the CV for this job

From $25 per CV, paid once. No subscription.

The numbers game

More applications. More interviews.

Every application goes out with its own CV, written for that posting and paid once. Send enough of them and the law of large numbers finds you the job.

Get the CV for this job
By hand5–10
With CV Rocket100
applications a day

Nearby

Live postings like this one

Same employer first, then the same role elsewhere.

Before you press

Straight answers

Get the CV for this job

From $25 per CV, paid once. No subscription.

What if my background isn't good enough?

We make the most of the background you have. The CV uses every piece of relevant proof your profile holds, and one of the 25 readers reads your whole profile and flags what the CV left out.

Do you really apply for me?

Yes, on the employer's own form, the hardest ones included. Where a question needs you, you answer it right there and AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

Is it a subscription?

No. You pay once per CV, from $25. Every application goes out with its own CV, written for that posting.

One job. One CV.
Paid once.

Pick the posting you want. We write for it, apply for you and catch the reply.

Get the CV for this job

From $25 per CV, paid once. No subscription.