Lead Assistant Manager Gurugram

Job Description: 1. Pricing and Profitability Consultant – Personal and Private BankingJob SummaryWe are looking for a strategic Pricing and Profitability Consultant to join our Customer Risk team. This role will drive initiatives across unsecured, secured, and insurance products to optimize risk-adjusted returns, define risk appetite, and simulate lending strategies using customer-level profitability insights and scenario models.Key ResponsibilitiesDevelop account-level profitability models by defining revenue and cost drivers tailored to product types and segments.Conduct deep dives into profitability by product, risk, price, and customer cohort, identifying high-ROE and low-retention segments.Define risk appetite thresholds, simulate risk-return trade-offs, and design concentration risk limits aligned with portfolio strategy.Create and monitor price-point strategies to unlock margin value and customer lifetime profitability.Translate customer behavior and CLTV insights into segment-specific lending strategies.Run lending strategy simulations under macro, portfolio, and customer behavior scenarios to guide tactical decisions.Work with product and finance stakeholders to shape Go/No-Go decisions and long-term capital planning.Support the build-out of performance dashboards and visualize pricing, profitability, and strategy metrics using Power BI or similar tools.Required Skills & Experience10+ years in retail banking, risk analytics, and profitability modeling.Robust understanding of RoE, customer lifetime value, and portfolio risk-return frameworks.Hands-on expertise in segmentation, pricing analytics, and capital allocation.Proficiency in SAS/Python, Excel and PowerPoint for insight generation.Experience working with cross-functional teams across product, risk, finance, marketing, and data engineering.Familiarity with lending simulation models, stress testing, or capital demand forecasting.

Responsibilities: Performs clinical review of cases received from the specialist team or other departments within CCR, determines if additional clinical information if required, makes a clinical decision to approve or deny a case based on plan coverage, criteria and / or guidelines or pend / refer it to the Regional Medical Directors for further review for medical necessity, and coordinates a peer to peer (doctor to doctor case discussion) review as applicable.

Qualifications: Bachelor Degree in relevant field with 4
- 6 years of relevant experience Apply on Kit Job: kitjob.in/job/4mph1l