Assistant Manager - Underwriting

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

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

Responsible for managing team of underwriting decisioning analysts, managing the underwriting process, processing applications annually.

 Role Accountability 

1. Manage inventory for PAN India applications moving to underwriting queue, ensuring underwriting process accuracy and TAT to maintain portfolio quality and standard customer experience 
2. Maintain requisite levels of quality scores for the team
3. Ensure resolution of all queries pertaining to deduplication/underwriting from stakeholders
4. Ensure timely and accurate preparation and publishing of daily/weekly dashboards
5. Identify simplification opportunities and drive projects to make existing processes simple and efficient
6. Monitor system changes made for underwriting process , conduct UAT before launch of new products or any changes in system rules
7. Ensure closure of Sub Processes emanating from underwriting process like Upsell/Downsell/FCU Clarifications by coordinating with the concerned team 
8. Ensure timely implementation of projects aiming towards process improvements, productivity enhancement, and better quality 
9. Monitor VIC & reviewing processes to enhance productivity/ save man-hours and eliminate NVA's
10. Ensure process documentation and compliance adherence

Measures of Success 

1. Process Accuracy %
2. FTE/NFTE productivity
3. TAT adherence for sub-processes
4. No adverse observations in internal/external audits
5. Process adherence as per MOU

Technical Skills / Experience / Certifications

1. Knowledge of Origination process/tools
2. Understanding of credit policy framework

Competencies critical to the role

1. Analytical Ability 
2. Innovation & Problem Solving
3. Detail Orientation
4. Process Orientation

Qualification 

Graduate in any discipline

Preferred Industry

BFSI