About Us

SBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI Card, the motto Make Life Simple inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone.

SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, colour, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work.

Join us to shape the future of digital payment in India and unlock your full potential.

What's in it for YOU

SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees
Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees
Dynamic, Inclusive and Diverse team culture
Gender Neutral Policy
Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
Commitment to the overall development of an employee through comprehensive learning & development framework

Role Purpose

Credit Risk Management : Second Line of Defence

Role Accountability

Oversee monitoring of key risk indicators, early warning triggers and portfolio performance by segments/products and portfolio monitoring to identify any pockets of stress to lower Credit Cost, review of quick mortality which includes high value NPA slippage cases. Creation and Cascade of Metrics , KPIs Benchmarks and Targets for all relevant functions, relating to Credit Risk and Fraud Risk , in line with Organizational Risk Appetite, Strategy and Business Plans.
Creating and implementing an quality assurance framework for ongoing testing and monitoring of policies and detailed analysis of early delinquency metrics by segment and recommend segments to discontinue/ action. Manage oversight procedures, check control monitoring plan and outcome of control monitoring. Propose mitigation strategies to Credit and Collection Teams
Review of all existing alerts- logic, monitoring and outcome, Review of all SOPs (Underwriting Fraud, Transaction Frauds, Internal/ other frauds, Fraud Reporting), Defining KRI / KPI/ KCI for Fraud Risk Management and regular monitoring of these metrices in governance forums, Review of ATRs to ensure Root Cause is addressed on all frauds reported, Review of control effectiveness of changes done in processes/rules.
Key risk indicators and early warning triggers are identified accurately and flagged off on a timely basis .

Measures of Success

Portfolio and key segments performance levels within defined limits
Identification of emerging risks and opportunities
Timely and accurate updation of process documentation
Process Adherence as per MOU

Technical Skills / Experience / Certifications

Knowledge of quantitative tools like SPSS Modeler, SAS E Miner, and R etc.
Strong knowledge of credit card domain & financials

Competencies critical to the role

Strong Analytical and Problem-Solving skills
Stakeholder Management

Qualification

Master/Graduate degree in any relevent filed

Preferred Industry

Banking and Retail Lending

Assistant Vice President - Risk Collections Policy