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Job Description

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, 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 a comprehensive learning & development framework

Role Purpose

The Regional Head Collectionfield would be responsible to deliver in line with the Operating plan of Multiple Dues Stages & Post Charge off for the region with a direct team of Zonal Collections Managers & larger team of Regional Collection Managers & Agency Collection Managers along with outsourced vendors & vendor employees.

Role Accountability

1. Work in coordination with Regional Head Collections Tele calling to anticipate / forecast trends at the portfolio level and undertake all remedial measures for maintaining optimum portfolio health
2. Develop and implement field collections strategy for the region, ensuring optimal allocation of collections resources (FTE/NFTE) to achieve business objectives
3. Work closely with National Head to ensure optimal use of all the collection tools available & using analytics & data segmentation to deliver on performance targets and enhance collection efficiency
4. Work with Legal to perform portfolio segmentation and its usage of hardship tools to deliver on the output metrics
5. Monitor field collections by bucket/vintage/region to ensure cost adherence in operations and achieve cost efficiencies
6. Review the vendor SLAs / FTE productivity & make timely interventions for better collection efficiency / Per FTE output
7. Drive regional strategy / work on strategy optimization in consultation with strategy lead
8. Ensure necessary infrastructure is in place to deliver on collections and future business expansion needs
9. Ensure capacity is managed in accordance with defined standards, maintaining an active training and learning collections environment to ensure excellence in Collections Management
10. Review and address people's capability and capacity gaps and determine non-FTE investments required to enhance capability
11. Ensure all collections activities are carried out in compliance with the agreed standards & with due recognition of the regulatory guidelines and with the overall Operating Risk framework
12. Uphold the principle of treating customers fairly (TCF) during customer interaction
13. Ensure all vendors working with the field team have vendor scorecards implemented and are compliant with SVCL requirements as per desired frequencies

Measures of Success

1. Portfolio Coverage
2. GNPA (Gross non performing asset) Rate and Value
3. 30+ and 90+ Delinquency rate
4. 30 to write off POF (Product of Flows)
5. Fully loaded Cost of collection
6. Rupee collected/FTE
7. Regulatory Customer complaint %
8. Process adherence as per MOU

Technical Skills / Experience / Certifications

Credit Card knowledge along with good understanding of Collection Processes

Competencies critical to the role

1. Analytical Skills
2. Stakeholder Management
3. Problem Solving
4. Detail Orientation
5. Process Orientation

Qualification

Post-Graduate / Graduate in any discipline

Preferred Industry

FSI