Assistant Vice President

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, color, 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 1. 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. 2. Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees. 3. Dynamic, Inclusive and Diverse team culture 4. Gender Neutral Policy 5. Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits 6. Commitment to the overall development of an employee through comprehensive learning & development framework Role Purpose The role is responsible for implementing portfolio optimization strategies for low & medium risk customers to ensure the overall portfolio delinquencies are within the benchmark. The role is also responsible to monitor authorizations rates and ensure these are within benchmarks. Role Accountability 1. Conduct analysis for offering limit enhancement to low and medium risk segments, which act as a NEA builder for the portfolio. 2. Ensure effective Utilization of data from bureaus to offer limit enhancement to customers. 3. Propose segments to optimize the x-sell coverage of the portfolio. 4. Develop portfolio Performance dashboard on time on a monthly basis. 5. Support implementation of all regulatory guidelines and network enhancements. 6. Conduct end to end daily review of transaction declines, maximize authorization rate, and propose extended authorization strategy across portfolio segments. 7. Work closely with the marketing team on campaigns to drive conversions from low & medium risk customers. 8. Work closely with marketing team on campaigns to reduce transaction declines from low & medium risk customers. 9. Analyze alternate data available (alternate credit bureau, account aggregator, etc.) which can be leveraged in portfolio optimization. 10. Work with networks on implementation of any new regulatory or network oriented changes. 11. Monitor BIN level caps along with marketing team to ensure due process is followed. Measures of Success 1. Ensuring successful execution of portfolio strategies as per agreed plan 2. Timely tracking of authorization success rate to ensure staying within defined benchmarks 3. Timely creation and monitoring of portfolio metrics Technical Skills / Experience / Certifications 1. Knowledge of Data Analytic & Modelling 2. Basic understanding of the cards business dynamics that will drive the analysis. 3. Knowledge of data analytics and system tools such as SAS, TRIAD, V+, Python 4. Knowledge of Card networks, Access Control System (ACS), payment processing, and regulatory environment 5. Process Adherence as per MOU Competencies critical to the role 1. Written and verbal Communication 2. Analytical Skills & Problem Solving 3. Process Orientation 4. Agility & Responsiveness Qualification Master's degree in economics, statistics or business management Preferred Industry FSI