Senior Manager - Retail Credit Policy & Credit Admin

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

The role is responsible to drive process improvements that are in line with business requirement, management of new sourcing programs, overseeing credit monitoring audit together with active stakeholder management to achieve organization goals.

Role Accountability

1. Responsible for documenting existing audits and ensuring implementation of SLA for new audits.
2. Create audit dashboards and exception reports.
3. Suggest measures for process improvement & ensuring gap analysis within few months of any new process rollout. 
4. Ensure training and certification of operations and audit team on credit policy and process.
5. Drive process improvements by identifying gaps and enhancing the current processes in system, i.e current system control etc.
6. Perform sample reviews of verification and share process / opportunities with the operations team.
7. Perform review of data received from digital sources (AA / EPFO / MMI), etc. and share policy recommendations.
8. Ensure data quality of data received from digital sources (AA / EPFO / MMI, etc.) and share observations with respective vendors.
9. Perform sample review of applications processes with deviation and share recommendations.
10. Monitor quick mortality cases and share observations with policy team, underwriting teams & sales teams.

Measures Of Success

1. Certification of new joiners on underwriting / De-dupe / Growth Catalyst / Pre-Screening / Audit processes
2. Quality of insights shared for possible automation of processes.
3. Management of new sourcing programs as per plans 
4. Credit Monitoring audit as per plan.
5. Process Adherence as per MOU

Technical Skills / Experience / Certifications

1. Basic understanding of market environment and competitor landscape on retail lending
2. Knowledge of underwriting 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