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 overall development of an employee through comprehensive learning & development framework

Role Purpose

The role is responsible for leading the legal collection teams, in the Zone for all legal collections and recovery efforts and identification of accounts for initiating various legal actions against delinquent customers and managing cases about customer escalations. The role is also responsible for Conducting Conciliation & Lok Adalat camps in Locations across the two zones in coordination with the National Legal Collections Lead, respective Zonal Legal Collections Leads, and the collections teams.

Role Accountability

Strategizing and implementing Legal initiatives for the entire portfolio across the Assigned Zones
Co-ordinating with zonal and regional collection teams for identification of accounts for initiating legal action against delinquent customers
Drawing up zone-wise legal collections and recovery strategies, in line with portfolio performance, on pre and post-litigation initiatives, in coordination with the centralized collection team
Managing Section 138, Arbitration and execution matters across the country in coordination with stakeholders
Conducting Conciliation & Lok Adalat camps in various locations across the assigned zones, tracking settlements through camp walk-in customers, collating, tracking, and presenting the zone-wise legal collections performance
Liaising with Legal Aid for dates of Lok Adalat Camps
Timely legal assistance for Late-stage delinquency and Early-stage delinquency teams using all available legal tools viz. Legal notices, police complaints, mediation camps, etc.
Leading, conducting, and maintaining the Conciliation Lok Adalat feedback tracker
Maintaining a Daily Performance dashboard of the legal collection team across the assigned zones
Achieving recovery targets as per MOU

Review (with Regional Legal Collections Managers across Assigned Zones and National Legal Collections Lead)

Recovery review
Late-stage review
Internal team review
Legal (Collection) Awareness Session with New Joiners

Audits

Audit Data provision
Audit query clearance

Managing and providing support wherever required against Cases & Customer escalations (Across assigned zones)

Resolving customer escalations/ Police complaints/ FTE security issues/ against cases as assigned on Legal initiatives
Handling legal matters related to Employee liability
Supporting Against legal team on key litigation matters in the capacity of POA holder
Signing & submitting Vakalatnama for against cases
To Sign & submit Vakalatnama against cases
Managing legal notices/summons/ complaints received at the branch and coordinating with corro team for resolution

Zonal Cost Management

Periodic review of legal fee grid basis feedback on actual court cost and other amendments, if any
Managing Billing and payment for Law firms within TAT and with Nil financial errors
Co-ordination with the PRA team for pendency clearance

Compliance

100% Settlement uploads on order sheet passed cases under conciliation and Lok Adalat process control to ensure Nil Escalations
Nil deviation in Court payment deposition & closure of Conciliation & Lok Adalat settled cases
DCR Update (To ensure conversation with Customer about any Legal Activity to be Updated on the system)
Nil Error rate in the Legal Billing process
Drive Zero defects onSVCL. Audit of law firms- 100%SVCL upload & Nil Errors
100% closure for all Internaland External audit queries
Ensure Critical Collections Compliance metrics within benchmarks
Arbitration Execution
Unsecured withdrawal costing plan & execution supervision
Late-stage accounts coverage

Law firm Management & Billing (Across assigned Zones)

Tracking Law firm's performance-based TAT and quality
Managing Billing and payment for Law firms within TAT and with Nil financial errors
Periodic audits for law firms on compliance set standards
Provisioning
Audit of all legal bills

Measures of Success

Win Ratio%
Account coverage and the amount collected on legally initiated accounts basis bucket-wise strategy & Targets
100% adherence to statutory Compliance - Zero Escalations/Penalties
Zero adverse observations on Audit
Process adherence as per agreed MOU

Technical Skills / Experience / Certifications

Experience in Legal Collection
Drafting response to legal notice, summons, pleadings etc.
Market awareness in terms of collections best practices

Competencies critical to the role

Collaborative, inclusive nature
Relationship Management
Aptitude to respond to challenging and ambiguous environment
Written and Verbal Communication
Influencing
Vendor Management

Qualification

LLB

Preferred Industry

Law Firms/Banks/Financial Institutions of Repute and dealing with unsecured products recovery

Senior Manager - Legal, Collections