Job Description

About the company

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

To ensure timely and accurate fraud alert decisioning to prevent and detect frauds, ensure adherence to regulatory compliance and deliver appropriate customer experience.

Role Accountability

Fraud Prevention, Detection, Monitoring & Compliance

Analyze applications/transactions for patterns to unearth frauds & make decisions / judgements to approve/decline the applications or block / unblock cards
Communicate with the applicant / customer to understand the patterns & make judgments to approve/decline the applications or block / unblock cards
Report/Share Fraud Modus Operandi observed with the analytics team & management for early detection & prevention of frauds through appropriate rule coding
Ensure adherence to regulatory compliance on KYC and transaction monitoring
Fraud awareness to customers to safeguard them against potential fraud threats
Action suspected fraud alerts while delivering the best levels of customer experience

Process Excellence

Ensure application and transaction fraud alert decisioning for low/ medium risk cases
Ensure adherence to process SOPs & customer contact policies

Measures of Success

Productivity (No. of cases decisioned in a day) as per MOU
Fraud Decisioning Accuracy
Fraud Catch Rate
False Positive Rate
Fraud trends highlighted and process improvement opportunities suggested
Process Adherence as per MOU

Technical Skills / Experience / Certifications

Basic knowledge of Fraud Management, Application Sourcing and Transaction Processing systems and KPI
Experience of documenting case facts

Competencies critical to the role

Analytical Ability and Problem Solving
Decisiveness
Listening skills
Process Orientation

Qualification

Graduate in any discipline from a reputed and recognized institute / University

Preferred Industry

Banking / Financial Services / E-Commerce / Fintech's / Telecom / Insurance

Senior Executive - Screening