[Skip to main content](#main-content) [OpenNash Jobs](https://jobs.opennash.com/) [Hiring report](/reports/hiring/) · [All Mashreq Bank jobs](https://jobs.opennash.com/companies/mashreq-bank/) · [Search jobs](/search/) Mashreq Bank · Bengaluru, Karnataka, India # Vice President- Retail Credit Policy Bengaluru, Karnataka, India Remote Executive Finance & Accounting Listed on Mashreq Bank’s official careers site. Posted October 8, 2026. Check that it is still open and apply there. [Apply on Mashreq Bank’s careers site →](https://hcld.fa.em2.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX_1/job/6919) [OpenNash Jobs](https://jobs.opennash.com/) / [Mashreq Bank](https://jobs.opennash.com/companies/mashreq-bank/) / Vice President- Retail Credit Policy ## Job description ### Job Purpose - Manage portfolio risk strategy and performance management for unsecured retail assets, including credit cards, personal loans, BNPL and other digital lending products. - Own the end-to-end risk decision framework across acquisition, account management, line assignment, pricing, collections and customer lifecycle management. - Use advanced analytics, segmentation and AI/ML models to optimize growth, credit quality, customer outcomes and risk-adjusted profitability. - Provide the senior leadership team with forward-looking portfolio insights, clear risk appetite recommendations and timely actions to maintain losses, returns and capital consumption within plan. ### Key Result Areas - Set and execute portfolio strategies for credit cards, personal loans, BNPL and emerging digital credit propositions, aligned with approved risk appetite, growth plans and regulatory requirements. - Own portfolio performance across approval rates, activation, utilization, balances, yield, delinquencies, roll rates, loss rates, risk charge, vintage performance, expected credit loss, capital and risk-adjusted returns. - Develop granular customer, product, channel, employer, income and behavioral segmentation to identify growth pockets, emerging risks and differentiated treatment strategies. - Design and govern risk decision frameworks covering eligibility, score cut-offs, affordability, limits, tenor, pricing, line management, cross-sell, collections and exit strategies. - Lead champion–challenger tests and controlled experiments; define success metrics, guardrails and post-implementation monitoring to scale profitable strategies safely. - Partner with data science teams to develop, validate and deploy application, behavioral, propensity, fraud and early-warning models using traditional and alternative data. - Establish responsible AI and model governance, including explainability, fairness, drift, stability, override, monitoring and human-oversight standards. - Build executive dashboards, forecasts and scenario analyses linking risk drivers to revenue, margin, credit cost, operating expense, capital and lifetime customer profitability. - Define early-warning indicators, portfolio triggers and remediation playbooks for adverse trends, concentration risks and macroeconomic or market shocks. - Provide independent retail credit risk challenge for new products, partnerships, fintech propositions and material changes to customer journeys or decision engines. - Ensure compliance with Central Bank requirements, internal policies, model risk standards, consumer protection expectations and audit requirements. - Lead, coach and develop a high-performing portfolio analytics team and strengthen data-driven decision making across Retail Banking. Knowledge, Skills and Experience ### Education - Bachelor’s degree in Statistics, Mathematics, Economics, Finance, Engineering, Computer Science, Data Science or a related quantitative discipline; postgraduate qualification is preferred. ### Experience - Typically 12–15 years in retail credit risk, portfolio management or risk analytics, including substantial leadership responsibility and direct exposure to credit cards, personal loans and digital lending/BNPL. ### Portfolio expertise - Proven ownership of acquisition and account-management strategies, vintages, roll rates, delinquency, loss forecasting, provisions, risk-adjusted profitability, limit management, collections strategies and portfolio optimization. ### Analytics and modeling - Strong command of statistical analysis, experimentation, segmentation, forecasting, scorecards and AI/ML applications across underwriting, behavioral risk, propensity, fraud and early warning. ### Technical capability - Hands-on proficiency in SQL and at least one analytical language such as Python, R or SAS; strong working knowledge of Power BI/Tableau, large datasets, data pipelines and cloud analytics environments. ### Decision frameworks - Demonstrated ability to translate analytics into executable cut-offs, pricing, limits, treatments and growth strategies with clear economics, controls and performance measurement. ### Governance - Sound understanding of model risk, responsible AI, explainability, fairness, data privacy, consumer protection, IFRS 9/provisioning concepts and Central Bank requirements relevant to retail lending. ### Leadership - Strong executive communication, stakeholder influence and people leadership, with the ability to challenge constructively and present complex risk-return choices to senior committees. ## At a glance - Posted by the employer: Oct 8, 2026 - First seen by OpenNash: Oct 13, 2026 - Last checked: Oct 20, 2026 - Listed for: 12 days - Location: Bengaluru, Karnataka, India - Work arrangement: Remote[Apply on Mashreq Bank’s careers site →](https://hcld.fa.em2.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX_1/job/6919) ## More jobs at Mashreq Bank ### [Assistant Manager- Credit Evaluator](https://jobs.opennash.com/companies/mashreq-bank/jobs/d57ff8e33470713c2945/) Bengaluru, Karnataka, India ### [Assistant Manager- Credit Policy](https://jobs.opennash.com/companies/mashreq-bank/jobs/22604dd85902d1072340/) Bengaluru, Karnataka, India ### [Assistant Vice President- Credit Policy](https://jobs.opennash.com/companies/mashreq-bank/jobs/2674de57cd73f5d74e45/) Bengaluru, Karnataka, India ### [Assistant Vice President- Retail Credit Initiation & Compliance](https://jobs.opennash.com/companies/mashreq-bank/jobs/79e370ad79afd9813ab5/) Bengaluru, Karnataka, India ### [Collections Officer.Retail Collections Credit Cards-MGS.Credit Management Group](https://jobs.opennash.com/companies/mashreq-bank/jobs/e284bce8e92d7cc403a7/) Bengaluru, Karnataka, India ## Similar jobs at other companies ### [Onboarding Team Manager - Vice President](https://jobs.opennash.com/companies/jpmorganchase/jobs/4618a1df0f66f196b69e/) JPMorganChase · Bengaluru, Karnataka, India ### [Applied AI/ML Lead - Vice president](https://jobs.opennash.com/companies/jpmorganchase/jobs/866a80fe8e0cbfde56be/) JPMorganChase · Bengaluru, Karnataka, India ### [Assistant Vice President - Credit Risk](https://jobs.opennash.com/companies/siemens/jobs/106d4a0f93ab8b6cdc41/) Siemens ### [Vice President, Credit Risk Management - Risk & Compliance](https://jobs.opennash.com/companies/hsbc-holdings/jobs/66101df1282f6d79c1be/) HSBC Holdings · Singapore, Central Singapore ### [Vice President, Fund Finance, Global Credit Markets](https://jobs.opennash.com/companies/national-bank-of-canada/jobs/39fde5720ba5432c0f3d/) National Bank of Canada OpenNash lists jobs from employers’ own careers sites and does not handle applications. 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