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, 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 the overall development of an employee through comprehensive learning & development framework

Role Purpose

Responsible for leading a team of in-house and vendor partner resources managing reconciliation and process improvement for SI payments (Auto debit and NACH ) processes The role also involves resolving customer complaints related to the processes managed to ensure highest standards of customer service

Role Accountability

Ensure that all the Service Level Agreements (SLA) are adhered in performance of duties Perform daily reconciliation of Auto debit and NACH banking transactions to identify and plug leakages Ensure curing of all exception cases with zero defects Monitor and analyze RBI, VO and VIP complaints related to Auto debit and NACH , drive redressal within TAT and inform stakeholders Ensure timely onboarding of new partner banks, including process integration and regulatory compliance adherence Perform RCA (Root Cause Analysis) of frequently aired issues and take preventive measures to avoid re-occurrence, working with cross-functional teams like IT, Marketing & Finance etc. to ensure resolution Ensure all process document & SOPs are in place and updated timely in case of any changes Perform periodic process reviews to identify enhancement opportunities Ensure timely product setup on sub system for new launches with rigorous testing Prepare periodic dashboards/ MIS/ ad-hoc reports as per business requirements Manage vendor renewals and billing, ensuring timely and accurate processing of vendor invoices Ensure adherence to budget as agreed in MOU and drive efficiencies to reduce cost Ensure process documentation and compliance adherence

Measures of Success

Process accuracy % (Auto debit, NACH) Cost reduction % as per MOU Adherence to timelines and budget in new technology deployment No. of complaints related to payment not received Adherence to BCP drill schedule Timely and accurate vendor billing No. of process enhancement initiatives recommended Adherence to operational SLAs (transaction processing TAT, curing TAT etc.) No. of adverse observations in internal/external audit Process Adherence as per MOU

Technical Skills / Experience / Certifications

Understanding of core systems like V+/CardOne Knowledge of payment processes and associated payment platforms (Auto-debit, NACH) Good hands-on experience in SQL, SAS, Power point and BI Dashboard Vendor Management experience Understanding of Statutory compliances

Competencies critical to the role

Stakeholder Management Analytical Ability Detail orientation Process Orientation Decisiveness

Qualification

Graduate in any discipline

Preferred Industry

FSI