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, 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 a comprehensive learning & development framework

Role Purpose

The role is responsible for the implementation of credit risk policies and processes that are in line with business requirements, management of pre-approved and new sourcing programs, and overseeing the Centralized Audit Function from a credit risk perspective as per plans together with active stakeholder management to achieve organization goals.

Role Accountability

Manage new sourcing and underwriting programs /policies in line with business requirements and risk policies Manage credit risk policy implementation, including retail, SME card, and AURUM card Analyze deviations to credit policy and monitor errors by the underwriting team Create operating guidelines/bulletin for the operations, sales and training team Provide system requirements to the Risk Infra/IT/Underwriting team from a credit risk perspective Manage and rollout of new programs, including pre-approved and sourcing programs Identify, drive, and pursue digital onboarding with a focus on information from banking and nonbanking partners Oversee Centralized Audit Function ( Audit COE) from a credit risk perspective Suggest measures for process improvement & ensuring gap analysis within a few months of any new process rollout Ensure training and certification of operations and audit team on credit policy and process Manage verification strategy, verification decision guidelines, and verification automation initiatives

Measures of Success

Early Delinquency as per agreed threshold Accuracy of credit decisions through the system and underwriting teams Certification of underwriting teams Completion of Critical Projects on Digitization & Automation as per agreed objectives Management of pre-approved and new sourcing programs as per plans Process Adherence as per MOU

Technical Skills / Experience / Certifications

Good understanding of market environment and competitor landscape on retail lending Knowledge of under-writing and operational processes

Competencies critical to the role

Analytical ability and Problem solving Relationship Management Networking & Collaboration

Qualification

Master's degree in relevant field

Preferred Industry

FSI / Any