Asset Quality Monitoring Manager

Manager - Asset Quality Monitoring

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

Prepare and Monitor the Key Asset Quality metrics and highlight opportunities for Improvement in policies, processes and strategy.

Role Accountability

1. Prepare & Monitor New Acquisition quality metrics with ongoing monitoring of new sourcing mix & early delinquencies at various cuts and recommend changes in sourcing mix in consultation with Credit team.
2. Monitor Key Portolio Metrics on a Daily, Monthly & Ongoing basis to identify and flag-off any areas of concern on a timely basis, for corrective action.
3. Analyze & Review the monthly SPI data for assessing SBI Card's performances versus Peers and Industry and putting upto the management and identify segments of opportunity and risk.
4. Prepare the monthly Portfolio Quality reviews presentation for putting upto the Management, RMCB & the Board of Directors, giving an all-round view of the portfolio performance by various cuts & segments.
5. Monitor performances versus Plan / MoU for Asset Quality metrics, building in various parameters of Asset Quality from Acquisition & Collections standpoint as well as Macro-economic factors.
6. Review Credit & Collections Policies and conduct the gap assessment of board approved policies / processes viz. a viz. Regulatory requirements
7. Prepare the Portfolio Sale data for periodic portfolio sale-off exercises.
   1. Key portfolio Asset Quality metrics of GCC, GNPA should be within the MoU / Plan.

Measures of Success

1. Early Delinquencies for segments should be within defined benchmarks.
2. Highlighting open credit risks to risk committees on a timely basis
3. Credit Risk KRIs should be updated and within thresholds are as per risk appetite

Technical Skills / Experience / Certifications

1. Experience in Underwriting, Credit Risk, Collections.
2. Understanding of Key drivers of Asset Quality, Cards Portfolio & Collection Metrics.
3. Good data Analytics skills, with knowledge of tools like SAS, SQL, Power BI, Tableau etc.
4. Good Communication & Interpersonal Skills with ability to effectively communicate cross-functionally and across levels.

Competencies critical to the role

1. Experience in Credit Risk Management covering Acquisition, Portfolio, Collections.
2. In-depth understanding of the Asset Quality drivers and Credit & Collections metrics.
3. Interpreting data for driving business intelligence... knowledge of tools like SAS, SQL, Power BI, Tableau etc.

Qualification

Graduates/ Post Graduation / MBA

Preferred Industry

Banking and Retail Lending