Chief Manager - Credit | Pre-Approved Base 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.

Job Requirements:

• 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