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 effective monitoring of dashboards to highlight early warning signs of stress in the portfolio to support implementation of strategies for optimal limit assignment based on income estimation models.
Role Accountability
- Support in creation of approval/decline strategy basis credit risk scorecard
- Categorize the portfolio into high/medium/low risk & define subsequent treatment
- Support in dynamic adjustment of score cut-offs & limits to manage early delinquency
- Identify monthly of stress segments and development of mitigation strategies
- Create early warning dashboards
- Oversee UAT of strategy changes in decision engine
- Track detailed soft approval rates, decline reasons & final approval rates & highlight significant changes & steps to improve the same
- Analyze alternate data and its use in credit strategy
Measures of Success
- Early Delinquency as per agreed threshold
- Instances of errors in signed-off system implementations
- Effective monitoring of dashboards to highlight early warning signs of stress in the portfolio
- Process Adherence as per MOU
Technical Skills / Experience / Certifications
- Good working knowledge of SAS, SPSS Modeler, SAS E Miner, Python and R etc. (at least one is required)
- Good understanding of market environment and competitor landscape on retail lending
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
Skills Required
- Master's degree in relevant field
- Working knowledge of SAS, SPSS Modeler, SAS E Miner, Python or R (at least one required)
- Good understanding of market environment and competitor landscape on retail lending
- Strong analytical ability and problem solving
- Relationship management skills
- Networking and collaboration skills
- Experience in Financial Services / Retail lending (preferred)
What We Do
SBI Card was launched in 1998 with the State Bank of India, India's largest bank, as the majority stakeholder. In March 2020, SBI Card was listed on BSE and NSE. Today, SBI Card is India’s largest pure-play credit card issuer with over 20 million cards in force, as of December 2024. Its wide array of products and services caters to a diverse range of customer segments across India, right from new-to-credit to super premium. The SBI Card brand is based on the value proposition of 'Make Life Simple'. The proposition manifests in SBI Card’s continuous efforts to simplify the lives of its customers, employees and other key stakeholders. Customer-centricity, supported by the values of trust and transparency, is core to SBI Card’s ethos.
