Senior Manager

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, gender, color, 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 implementation of credit risk policies and processes that are in line with business requirement and management of new sourcing programs as per plans together with active stakeholder management to achieve organization goals. The role is also responsible for managing credit reviews of high value & deviation cases in Banca.

Role Accountability 

1. Manage credit risk policy implementation for Banca.
2. Manage and roll out of all new programs.
3. Identify the process gaps and rectify the same in system.
4. Analyze the deviation to credit policy on individual case basis.
5. Create the operating guidelines/bulletin for the operations, sales and training team.
6. Provide the system requirements to Risk Infra / IT / Underwriting team from credit risk perspective.
7. Credit review of high value or deviation cases for Banca.
8. Monitor and publish post fulfilment approval rates for all major programs.
9. Ensure policy implementation is accurate in system and manual underwriting.
10. Regular co-ordination with Sales & Ops to ensure process efficiency and policy adherence.
11. Monitor quick mortality & early delinquency rates for the channel & programs and incorporate learnings in policy / process.
12. Monitor all digital sourcing programs to ensure accuracy of data input from the source and consumption in the decision engine.

Measures of Success 

1. Early Delinquency as per agreed threshold
2. Completion of Critical Projects on Digitization & Automation as per agreed objectives
3. Management of pre-approved and new sourcing programs as per plans 
4. Process Adherence as per MOU

Technical Skills / Experience / Certifications

1. Basic understanding of market environment and competitor landscape on retail lending
2. Knowledge of under-writing and operational processes

Competencies critical to the role

1. Analytical ability and Problem Solving
2. Relationship Management
3. Networking & Collaboration

Qualification 

Master's degree in economics, statistics or business management

Preferred Industry

FSI