Asst vice President-Asst Product Risk Manager for Credit cards and Merchant Acquiring in HDFC Bank
HDFC Bank
Total years of experience :21 years, 0 Months
Credit Cards
Framing Policy guidelines for New Surrogates and track it closely.
Framing Policy guidelines for all Post Issuance Programs: Cash On Call, Balance Transfer, Limit Enhancement, PL2CC, Cash limit etc.
Managing the ENR mix and closely tracking the delinquencies of the Cards Portfolio.
Responsible for Approval Rates for Credit Cards portfolio.
Responsible for framing policy guidelines for new Products.
Responsible for developing Application score cards for Bank & Open market Customers, Behavioral score card, Limit Enhancement & Reduction score cards, Liability score card and recalibrating the same when required
Analyzing the Cards Portfolio & providing recommendations to the Management and ensure the Credit loss is achieved within Budget.
Responsible for Liability & Asset Data Mining for 25 million customers and ensure that potential customers are carded and correct limit is being set based on the balances maintained with the Bank.
Reviewing Product Parameters, Policies and recommend changes to keep the bank’s card portfolio competitive and in line with changing market characteristics.
Sampling and implementation of Policy at Underwriting unit / Sales and provide feedback if there are discrepancies.
Responsible for implementing the policies in Business Intelligence / Analytics team and providing guidance to them.
Providing NPA to finance and responsible for Credit and Fraud Write off notes.
Providing Approvals to Corporate for corporate cards based on their financials under Declaration.
Merchant Acquiring
Framing policy guidelines for POS, Mobile POS, Payment Gateway, and M commerce segments
Heading the underwriting unit for Payment Gateway merchants.
Ensuring the approvals are provided within the stipulated TAT.
Responsible and framing guidelines for all New Products.
Responsible for Liability & Asset Data Mining for 25 million customers and ensure that potential merchants are provided POS and Payment gateway facility.
Providing NPA to finance and responsible for TOD Process.
Responsible for keeping the Fraud and Chargeback loss are within the Budgets.
To maintain the Fraud loss within the budget.
To minimize fraud loses for Credit cards by early detection of transactions by actioning alerts within stipulated time frames, policies.
Manning the SSP unit for 24 hours with adequate shift/ back up plans to handle all related process or requirements such as HRC/Velocity parameters etc..
Implement and manage a proactive and customer friendly fraud dispute resolution process.
Responsible for changing the Fraud Detection parameters whenever required
Ensure that alerts are monitored and actioned on a case to case basis with a balance of credit risk and Customer Service
Providing fraud numbers and related information to the Group.
Collation of reports received from pan India for Cards, PL, Mortgage and Auto Loans such as Sampling, DSR Recruitment and Investigation, Agency Audit and Merchant training.
Retrieving necessary documents like charge slip, ACES Copy, Passport copy for month end provisioning and reverse the charges.
Collection of fraudulent transactions from respective department and report to Franchisees.
➢ MBA - Master in Business Administration from Madurai Kamaraj University, TamilNadu
➢ B.Sc (Computer Science) from C.P.A College, Bodinayakanur, under Madurai Kamaraj University