About Us
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 managing the Collection hardship tele calling unit, responsible for actioning customer requests for collections hardship tools such as settlement, restructuring, reinstatement, CIBIL clean-up, received from internal Reporting Channels like Helpline/Corro/CEO Desk/Social Media etc.
Role Accountability
- Execute timely and accurate lien invocation of eligible secured card accounts from SBI & associate banks.
- Regular interaction and strong follow-up with Banks FPRs across locations for execution of lien invocation.
- Evaluate and report accounts not fulfilling defined parameters as per defined policy.
- Execute secure card lien invocation related requests raised on Cardone within TAT.
- Monthly reporting & tracking of lien invocation along with balances to relevant stakeholders.
- Analyze and report accounts on which lien invocation is rejected.
- Regular follow-up with ACM, ASM, and Branch Manager to recover collection dues on SME accounts.
- Prepare and execute dunning letters for Employee / VIP / Corporate accounts as per defined process and communication plan.
- Ensure wing-to-wing closure of customer accounts that have opted for hardship tool (restructuring/reinstatement) with utmost accuracy.
- Validate eligibility and financial documents submitted for restructuring requests.
- Generate RE/RI letters as per required tenure and EMI plan agreed with customer.
- RE booking on system post validation of customer acknowledgement.
- Raise accounts for re-instatement of accounts post payment validation as per RI letter.
- Initiate CIBIL clean-up requests post payment validation as per offer letter.
- Track closure of requests from operating teams related to RE/RI documents and acknowledgement.
Measures of Success
- Secured Lien Invoke success Rate
- Accurate SR Closure
- Accurate Financial Transaction Reporting
- 100 % Coverage on Reinstatement Requests
- Process Adherence as per MOU
Technical Skills / Experience / Certifications
Wing to Wing Process understanding of Collections and hardship tools
Competencies critical to the role
- Analytical Ability
- Process Orientation
- Detail Orientation
- Stakeholder Management
Qualification
Graduate/Post Graduate in any discipline
Preferred Industry
FSI
