.**Responsibilities**:- Responsibility covers managing portfolio risk policy for the aligned products, focusing on growing and maintaining healthy portfolios through line and various accounts maintenance programs such as limit increase/ decrease, accounts renewals/ closure, cross-selling between products- Manage merchant policy for Cards product, focusing on strong merchant business through managed exposure and governing of merchant acquiring policy- Manage 3rd party exposure and key money policy (as applicable), ensuring controllable exposure according to risk appetite- Work together with counterparts from Business, Sales, Credit Operations, Decision Management, Operations & Technology to ensure correct policy implementation at an operational level- Interact with regional counterparts for policy approval and adherence to Global/Regional Policy requirement- Provide analytics at portfolio and segment levels for the purpose of monitoring, making policy adjustments, provide sound credit decisions with the ultimate goal of optimizing risk and rewards- Work together with the Risk MIS team, in charge of Credit Risk Reporting and Portfolio Quality Review Reporting, as well as facilitating ad-hoc reporting as needed- Responsible for reporting and accuracy of critical portfolio data returns to the Bank's key regulators- Responsible for the regular validation as well as new development of the portfolio score & segmentation models through collaboration with regional and global risk analytics team**Qualifications**:- 6-10 years experience in Statistics/Analytics/Decision Management will be desirable- Highly ethical and with integrity- Excellent verbal and written English communication skills- Effective listening skills- Able to work across levels in risk management and also with other operations and business teams- Excellent Presentation skills - adept at presenting effectively to audiences of various sizes and adapting style as necessary- Able to identify and influence key decision makers across various levels and functions within the organization- Able to work in a rapidly changing external environment and support business in a highly competitive and challenging market**Education**:- Bachelor's/University degree, Master's degree preferredThis job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.**Responsabilidades**:- Mantener / impulsar / mejorar / crear líneas base de desempeño para la efectividad de MCA, Eventos de Riesgo Operacional y Entorno de Riesgo y Control.- Proponer nuevas ideas, técnicas o mejoras para el proceso BAU.- Supervisar la calidad y monitorear que se cumplan nuestras pautas.- Oportunidad de ser parte de los impulsores para fortalecer el desempeño del entorno de control de franquicias relacionado con MCA y Gestión de Riesgos.- Liderar un equipo a cargo de completar todos los tipos de revisiones de calidad y control