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 comprehensive learning & development framework
Role Purpose
This role is responsible to execute various third party audits (Marketing, Sales, Verification, Customer service, Marketing cross sell/Insurance, FRM etc.), identify & report out all relevant corrective actions in the entire audit process to bring in better efficiency and bridge all such gaps for the organization, along with continuous validation/tracking of the agreed implementations across all the auditee functions.
Role Accountability
- Planning & Execution.
- Conduct Detailed third party audits of sales, collections, operations, FRM, Marketing and Other agencies of the zone based on the laid down plan of the Zonal Field Audit Head .
- Conduct 100% surprise process third party audit of the assigned agency or department as per the quarterly plan.
- Data Analysis.
- Perform data correlation and analysis pertaining to customer complaints, fraud & cost / billing trends for the respective vendor before starting the audit process.
- Analyze the data for identifying the patten or trigger for any anomalies/malpractice at field level.
- Execution & Identify Process leakages, financial irregularities, data security & Regulatory compliances related gaps and ensure that they are clearly documented in the final audit report that is sent to respective process manager.
- Collect evidence from internal and external sources to support the preparation of audit reports.
- Send audit reports to the concerned manager on AEGIS (Audit CRM) as per the Laid down TAT.
- Working closely with Stakeholders across levels in functions like collections, sales, Verification, FRM, Customer Services etc.
- Ensure 100% closure of gaps / observations that have been identified in AEGIS audit report published within specified timelines.
- Continuous & Rigorous follow-ups to be done on each audit report published to the auditee function for timely and tangible closure with agreed upon responses.
- Validate ATR (Action Taken Report) implementation by revalidating whether the corrective action has been implemented by the respective department.
- Maintain repository of evidence/inputs to support preparation of Third-Party Audit Reports that will be published by the Zonal Field Audit Head to the audit committee Board on a quarterly basis.
- Maintain all process documentation practices in compliance with the process guidelines.
- Conduct spot audits across various functions such as sales, collections, Operation covering all area related to process leakages, data security leakages, financial leakages & Regulatory compliance risk.
- Conduct Mystery Shopping at 2-3 Partner Banks & POS aligned to Sales units basis defined checklist.
- Perform field visits on customer complaints (as defined by Vertical head) in collections to identify any non-adherence to laid down process/policy by the organization/regulatory non-compliance.
- Perform field visits on verified cases (as defined by vertical head), basis delinquency to identify & bridge the gap, if any, for improved quality in the sourced accounts.
- Consume the Fraud reports as per FLAC, on the modus operandi & perform proactive field level visits to identify any more such probabilities on the markets identified basis the report.
- Report out of all special audits/projects assigned & completed on a timely basis with adequate data backed up along with complete & relevant evidence to support.
- Team Collaboration
- Collaborate with cross function teams for identifying any process changes.
- Understand industry practices and current trends.
- Identify changes in regulatory environment/Company policy.
Measures of Success
- % of audits, follow-up audits, and report issuance completed within specified timeframes during the year / half year / quarter
- Average time to complete each of the allocated agency audit
- Number of Process Improvement Opportunities (PIOs) identified & reported in the audit report
- Number of open observations in ATR beyond stipulated TAT
- Timely and accurate updating of process documentation
- Process Adherence as per MOU
- Operational, Financial & regulatory leakages plugged at third party sites
- Quality of observations as reported out, Draft report VS Final Report.
Technical Skills / Experience / Certifications
- Basic understanding of processes/internal audit/risk/compliance activities
Competencies critical to the role
- Analytical ability
- Problem-solving skills
- Follow-up skills
- Stakeholder Management
- Verbal and written communication
- Result Orientation
Qualification
Graduate/ Post-graduate, preferably professional qualification CA/ MBA / ICWA / CIA
Preferred Industry
FSI
