Deputy Vice President - Retail Credit Policy & Credit Admin

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 a comprehensive learning & development framework
  

Role Purpose

Role Accountability

• Manage new sourcing and underwriting programs /policies in line with business requirements and risk policies
• Manage credit risk policy implementation, including retail, SME card, and AURUM card
• Analyze deviations to credit policy and monitor errors by the underwriting team
• Create operating guidelines/bulletin for the operations, sales and training team
• Provide system requirements to the Risk Infra/IT/Underwriting team from a credit risk perspective
• Manage and rollout of new programs, including pre-approved and sourcing programs
• Identify, drive, and pursue digital onboarding with a focus on information from banking and nonbanking partners
• Oversee Centralized Audit Function ( Audit COE) from a credit risk perspective
• Suggest measures for process improvement & ensuring gap analysis within a few months of any new process rollout
• Ensure training and certification of operations and audit team on credit policy and process
• Manage verification strategy, verification decision guidelines, and verification automation initiatives
  

Measures of Success

• Early Delinquency as per agreed threshold
• Accuracy of credit decisions through the system and underwriting teams
• Certification of underwriting teams
• Completion of Critical Projects on Digitization & Automation as per agreed objectives
• Management of pre-approved and new sourcing programs as per plans
• Process Adherence as per MOU
  

Technical Skills / Experience / Certifications

• Good understanding of market environment and competitor landscape on retail lending
• Knowledge of under-writing and operational processes
  

Competencies critical to the role

• Analytical ability and Problem solving
• Relationship Management
• Networking & Collaboration
  

Qualification

Preferred Industry