BFS_Credit Card Acquisition Analytics

Bangalore

Job Description

About the role:

We are seeking a Credit Card Acquisition Analytics with strong experience in the US credit card and banking domain and sound understanding of US regulatory requirements. The role involves supporting credit card acquisition analytics, including approval strategies, credit line assignment, and risk metrics such as PD and LGD.

Skills & Qualification:

1. Acquisition Strategy & Underwriting:

Credit Policy & Approval: Develop and refine data-driven underwriting strategies to optimize approval rates while strictly controlling for initial credit risk and early default.
Initial Line Assignment (ILA): Design and test initial credit limit strategies that balance the customer's purchasing power needs with the bank's risk appetite.
Targeting & Segmentation: Leverage credit bureau data (e.g., FICO, VantageScore, tradeline data) and alternative data sources to identify high-value prospect segments.

2. Channel Optimization & Marketing Analytics:

Channel Strategy: Own the performance and profitability of key acquisition channels, including Direct Mail (Pre-screened offers), Digital/Performance Marketing, Affiliates/Aggregators (e.g., Credit Karma, NerdWallet), and Retail Branches.
Offer Optimization: Design and execute A/B tests for sign-up bonuses (SUBs), introductory APR offers (e.g., 0% for 15 months), and annual fee structures to maximize response rates and Return on Investment (ROI).
Customer Acquisition Cost (CAC): Continuously monitor and optimize CAC across all channels to ensure alignment with financial targets.

3. Financial Modeling & Performance Tracking:

NPV & Profitability: Build and manage Net Present Value (NPV) models to evaluate the lifetime profitability of new acquisition vintages.
Vintage Tracking: Monitor the performance of newly acquired cohorts (delinquency roll rates, early month on book activation, and spend behavior) and adjust front-end strategies accordingly.

4. Regulatory & Compliance Oversight:

US Regulation Compliance: Ensure all targeting, underwriting, and marketing strategies strictly comply with US regulations, particularly the Equal Credit Opportunity Act (ECOA/Reg B), Fair Credit Reporting Act (FCRA), Truth in Lending Act (TILA/Reg Z), and UDAAP.
Fair Lending: Partner intimately with Legal and Compliance to rigorously test acquisition models and marketing criteria for disparate impact or fair lending risks.

5. US Credit Card & regulations knowledge

6. Strong proficiency in Python (PySpark), SQL, Excel and presentation tools to deliver analytical insights. Exposure to Tableau/Power BI

7. Ability to clearly communicate analytical outcomes to business and risk stakeholders is essential.

8. 4 to 6 years of experience in credit card and US market