Chief Manager - Credit Policy | Pre-Approved Base Management

Job Purpose:

This role is responsible to manage and grow Pre-Approved Base (PAB) Portfolio across Consumer Lending products such as Consumer Durable, Cross Sell, Credit Card, Personal Loan and Gold Loan. The ideal candidate will bring deep domain expertise in the banking sector with a strong understanding of data-driven customer targeting, product strategy, and campaign management.

Key Responsibilities:

• Develop and manage end-to-end strategy for pre-approved offers across lending portfolios.
• Analyze customer base and identify potential segments for pre-approved credit offers using internal and bureau data.
• Collaborate with Risk, Product, and Analytics teams to define eligibility, credit policy, and offer parameters.
• Drive campaign planning and execution in coordination with Marketing, Digital teams.
• Monitor performance of Pre Approved Base campaigns (approval rate, activation, profitability, delinquencies).
• Work closely with digital and tech teams to automate journey for offer visibility and fulfillment.
• Ensure compliance with regulatory and internal policies across all customer communication and campaigns.
• Continuously refine targeting logic and improve penetration and engagement through data insights.

• Post Graduate / MBA
• 8+ years of experience in banking or financial services, with at least 3 years in managing Pre-Approved Base
• Exposure to digital lending journeys and automation tools (Salesforce, Adobe, etc.)
• Experience working with Banks, NBFC, Fintech / Credit Bureaus and data providers (e.g., CIBIL, Experian, CRIF)
• Strong understanding of retail banking products and customer lifecycle
• Hands-on experience with credit underwriting criteria and bureau data
• Proficiency in campaign management and performance tracking tools (Excel, SQL, SAS, Power BI, etc.)
• Excellent stakeholder management and cross-functional collaboration
• Ability to work with large data sets and derive actionable insights