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, 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 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 leading Identity Access Management (IAM) Governance program in support in line with the enterprise and regulatory compliance requirements / mandates and leading overall access certification and authorization of access across enterprise for all applications covering both for FTEs and NFTEs. Role Accountability Develop IAM Governance framework, support compliance and risk management activities- provide input on capabilities and methods used for IAM Governance, and driving improvements Own the Identity and Access certifications process as mandated by the enterprise policy and regulatory compliance requirements Provide consultation to support the design, integration and operational processes to enable business functions as they align the various technology products that support IAM to their security, risk management and compliance framework Define, update/validate and monitor appropriate Access structure to protect the business from unauthorized Access and to ensure regulatory compliance Ensure procedures related to account Access administration and SOPs are clearly documented, updated and adhered to Provide thought leadership and coordinate with IAM Operations team to Drive Governance Support the development of whitepapers, case studies, technical blue prints for IAM architectures and services Ensure process documentation and compliance adherence Measures of Success Timely and accurate development, Implementation and Sustaining of IAM Governance program at the enterprise level Enhance IAM certification by automating wing to wing process Timely and in-budget conduct of IAM certification exercise as per the policy requirements Timely management and reporting of IAM governance related KRAs and metrics No adverse observation in Internal / external audits Timely remediation of any findings or recommendations made by any of the internal or external assessors Process Adherence as per MOU Technical Skills / Experience / Certifications IAM, PAM domain knowledge with capabilities to integrate core security/IT/Business solutions. Extensive knowledge of LDAP authentication methods, processes and tools, Oracle IAM tool and processes. Deep understanding of PAM capability from vendor OEMs like ARCON, CyberArk etc. Familiarity with Cloud technology and an understanding of the impact of dynamic computing on the Identity domain. Strong knowledge and understanding of enterprise IT Systems, cloud infrastructure and security principles and technologies Industry standard certifications such as CIAM, Oracle IAM, OKTA Understanding of Identity Access Management solutions Prior experience with SAML, LDAP, Kerberos, Unix, Microsoft AD, and MFA desired. Strong experience in Project management, problem solving and operationalization of resources. Competencies critical to the role Process Orientation Result Orientation Stakeholder Management Analytical Ability Qualification Bachelor s Degree/B.Tech in Computer Science/Information Technology or any other relevant discipline Preferred Industry FSI

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 To develop and maintain collection scorecards, segments for portfolio intervention, and transaction-level authorization strategies and oversee implementation of credit fraud decision engine deployment for the organization. Role Accountability Develop customized collection scorecards for each assigned delinquency stage Develop self-cure models for customized collection interventions cost control Develop micro-segments for effective portfolio interventions to maintain acquisition quality Develop transaction-level scorecards as input to the authorization strategy and cross-sell qualification Develop application fraud prevention scorecard Develop propensity models for offering hardship programs Develop customized acquisition scorecards for assigned segments. Develop customized behavior scorecards for each assigned segment. Maintain inventory of assigned models Automate ensure model deployment either in credit fraud decision engines or turbine/data lake Measures of Success Ensure the timely development of the models as per plan Model efficacy in terms of consistency reliability KS, Gini - Model performance metrics PSI - Model stability metric Out of time validation Process Adherence as per MOU Technical Skills / Experience / Certifications Good knowledge of Big Data/R/Python/SaS/Hadoop Competencies critical to the role Analytical ability and problem solving Qualification Master s degree in related field Preferred Industry FSI / Any

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, 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 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 To conduct day-to-day legal support for the Collection of dues from Customers in assigned regions. To achieve recovery targets Handle escalations raised by the Customers through various modes (Courts, Quasi-Judicial Forums, Investigating Authorities) for legal collection activities. Role Accountability Achieving recovery targets as per MOU Conduct day-to-day legal support for the Collection of dues from Customers in assigned regions. Support for Handling Escalations raised by the Customers through various modes (Courts, Quasi-Judicial Forums, Investigating Authorities, etc.) for legal collection activities Provide Legal Support to sales and collections functions for escalation cases against employees. Prepare and maintain MIS for decentralized legal collection matters in assigned regions. Represent the Company in collection matters. Provide administrative support to litigation and advisory verticals in drafting replies, preparing evidence, etc. Measures of Success Win Ratio% No adverse comments by businesses on legal collection support in the region Meet the recovery target for legal collections Ensure 100% resolution of escalated cases Process adherence as per agreed MOU Technical Skills / Experience / Certifications Experience in Legal Collections Adept in handling escalation including Police escalation Market awareness in terms of collections best practices Competencies critical to the role Collaboration Teamwork Written and Verbal Communication Qualification LLB Preferred Industry Law Firms/ FSI

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 Responsible for managing Application Security requirements and processes to reduce technical risks due to vulnerabilities in applications exposed to customer or third-parties, including identifying and assessing vulnerabilities specific to applications. This role also responsible for leveraging expert knowledge of todays ever-changing cybersecurity and risk landscape to influence IT landscape across SBIC Card environment. Role Accountability Participate in and support application security reviews including Threat modeling, Code review and Static dynamic testing; discover security exposures and develop mitigation plans, and also report and fix the technical debt Facilitate and support the preparation of security releases Assist in development of automated security testing to validate that secure coding best practices are being used Provide expertise in security tools for vulnerability assessment, penetration testing application security Perform vulnerability risk profiling and prioritization of vulnerabilities Uphold code reviews across all Platforms and manage integration with vulnerability check tools such as Static Code Analysis and Dynamic Code Analysis tools Manage bug intake and remediation process for the organization and application vulnerability scanning and penetration testing remediation Monitor vendor SLAs, perform regular review with vendor management and report to SBI Card leadership Assist with planning, providing input on capabilities and methods used for vulnerability management and security testing, and driving improvements Support in development of vulnerability management framework, support compliance and risk management activities, recommending security controls and corrective actions to mitigate vulnerability risks Conduct vulnerability assessments and penetration testing (application and/or infrastructure) and articulating security issues to technical and non-technical audience Perform vulnerability risk profiling and prioritization of vulnerabilities Perform regular status reviews with IT asset owners senior leadership to ensure compliance with InfoSec policies Develop and monitor patch deployment schedules for all Vulnerability assessments and penetration testing on an ongoing basis as well as auditing for completeness and coordinate patch management/Remediation activities for all IT assets (workstations, network, server, application, database etc.) Monitor vendor SLAs, perform regular review with vendor management and report to SBI Card leadership Ensure process documentation and compliance adherence Measures of Success Reduction in security vulnerabilities in SBI Card IT platforms Number of enhancement opportunities identified for the security posture to reduce overall risk to SBI Card Reduction in information leakage and exploitation from vulnerabilities Timely and accurate vulnerability testing and remediation Process Adherence as per MOU Technical Skills / Experience / Certifications Strong knowledge of web development and programming languages e.g. Java, .NET, Python, etc. Strong knowledge of web application technology, e.g. Application Servers, Web Servers, Databases Strong java developers, with some understanding of application security testing and willing to switch into that role, would fit for this position Knowledge of performing security testing on an app development project either using struts, spring much like java based frameworks Industry-accredited security certifications will be required (the candidate must have or be willing to obtain all of the following certifications - GIAC GWAPT, GPEN, GXPN, OSCP, and CISSP) Exposure to methodologies, such as OWASP preferred, Penetration, Host, Applications (Ethical Hacking tools such as Nessus, Qualys, Nexpose), Vulnerability Assessments - Network, Host, Applications, Security in SDLC (Application Security), Secure code review - .NET and J2EE technologies Experience in Software development/Application Security/Vulnerability Management Competencies critical to the role Analytical ability Innovation Problem Solving Continuous Learning Teamwork and Collaboration Qualification Bachelor of Engineering in Computer Science / Engineering, Masters in Computer Science or any other relevant discipline Preferred Industry BFSI / NBFC / IT ITES / E-commerce/Telecom

Responsible for processing applications from PS2 process with complete diligence with respect to KYC and income documents. Role Accountability Perform scrutiny of credit card applications Check if application is compliant to KYC norms Conduct Credit checks in document with predefined policies and get into income calculations Ensure adherence to TAT and accuracy for decision-making Check for validity of documents attached with the application Perform process documentation and compliance adherence Measures of Success Processing/Production Accuracy as per SLA Adherence to TAT and accuracy for decision-making Process adherence as per MOU Technical Skills / Experience / Certifications Credit Card knowledge along with good understanding of Credit Processes Knowledge of credit documentation, basic financial ability Competencies critical to the role Process Orientation Teamwork Collaboration Analytical Ability Verbal and Written Communication Qualification Graduate in any discipline Preferred Industry FSI

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, 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 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 the management of all collections processes for allocated portfolio in the assigned CD/Area basis targets set for resolution, normalization, rollback/absolute recovery and ROR. Role Accountability Conduct timely allocation of portfolio to aligned vendors/NFTEs and conduct ongoing reviews to drive performance on the business targets through an extended team of field executives and callers Formulate tactical short term incentive plans for NFTEs to increase productivity and drive DRR Ensure various critical segments as defined by business are reviewed and performance is driven on them Ensure judicious use of hardship tools and adherence to the settlement waivers both on rate and value Conduct ongoing field visits on critical accounts and ensure proper documentation in Collect24 system of all field visits and telephone calls to customers Raise red flags in a timely manner basis deterioration in portfolio health indicators/frauds and raise timely alarms on critical incidents as per the compliance guidelines Ensure all guidelines mentioned in the SVCL are adhered to and that process hygiene is maintained at aligned agencies Ensure 100% data security using secured data transfer modes and data purging as per policy Ensure all customer complaints received are closed within time frame Conduct thorough due diligence while onboarding/offboarding/renewing a vendor and all necessary formalities are completed prior to allocating Ensure agencies raise invoices timely Monitor NFTE ACR CAPE as per the collection strategy Measures of Success Portfolio Coverage Resolution Rate Normalization/Roll back Rate Settlement waiver rate Absolute Recovery Rupee collected NFTE CAPE DRA certification of NFTEs Absolute Customer Complaints Absolute audit observations Process adherence as per MOU Technical Skills / Experience / Certifications Credit Card knowledge along with good understanding of Collection Processes Competencies critical to the role Analytical Ability Stakeholder Management Problem Solving Result Orientation Process Orientation Qualification Post-Graduate / Graduate in any discipline Preferred Industry FSI

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 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 Heal th 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 sales of various SBI Card products in an assigned geography, usually 2-5 regions comprising of 80-200 branches of an SBI Circle, through a large team of 100-200 NFTEs spread across branches and various other points of sales identified by the bank relationships. Role Accountability Drive execution of location-wise banca sales execution strategy within assigned geography to drive achievement of overall organization objectives Maintain good working relationships at local level with stakeholders across SBI, SBI JVs and Associates & Multiple Partner banks by addressing concerns & providing priority service Drive execution of special segment/product/program focused campaigns in assigned geography Assess manpower requirements in assigned geography considering MOU & budgets and work with workforce effectiveness to ensure adequate staffing levels across assigned geography Responsible for hiring and performance management of NFTEs in assigned area Ensure regular NHOs/Refreshers & Product based Trainings for the team to enhance productivity Drive team to adopt all New Digital Initiatives of the company by ensuring quick knowledge cascade to extended sales teams by facilitating adequate trainings Attend Region/Module P Reviews & share relevant data points/ inputs to create a positive brand Image amongst SBI stakeholders Front-end all customer service escalations from the branch walk-in customers in assigned area and resolve them as per the resolution rights shared Conduct periodic service camps in upcountry markets in coordination with CS department to reinforce customer & Stakeholder Confidence Closely monitor metrics such as Sourcing Mix, Approval Rate, Inflow rate, Processing rate, & Dispatch rate of Applications to track and enhance NFTE productivity and business opportunities Drive adoption of New Digital Initiatives in assigned areas by ensuring timely knowledge cascade and requisite trainings for the staff Provide support to internal departments in completion of various projects, such as KYC Compliance Of Existing Customer Base by Liaising with Operations Department & reaching out to Customers, Assisting Collections department in collections effort and advising Product/Marketing teams on suitable merchant tie-ups Drive periodic team connects/reviews cadence, conducting regular visits to Local Offices of Partner Banks to ensure the same Ensure timely preparation and dissemination of relevant reports /MIS to SBI Stakeholders (Cross Sell/Regions/Modules & Networks) Manage PSA relationships, premises and associated costs along with relevant SOPs Ensure team members and internal processes comply with all regulatory and business compliance guidelines Measures of Success MOU Targets: New Accounts, Premium Accounts, Insurance cross-sell, COA, 4MOB Attrition %, Digital Sourcing % Shikhar /Pratham Leads Conversion % Voice of Customers Process adherence as per MOU Effective complaint channelizing and resolution on escalations emanating from SBI and Partners banks Technical Skills / Experience / Certifications Awareness of credit card industry landscape Understanding of P&L and impact of various metrics/parameters on the bottom-line Competencies critical to the role People Management Planning & Organizing Customer Orientation Relationship Management Result Orientation Qualification Graduate in any discipline, post graduate preferred Preferred Industry BFSI/Telecom/Any retail sales FMCG, CD etc

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, 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 Responsible for Manual credit decisioning of applications moving to dedupe queue Role Accountability Implement Credit Guidelines while processing applications Maintain requisite levels of quality scores Maintain portfolio quality & other defined SLA Decisioning of applications within defined TAT Timely closure of errors highlighted by monitoring team Perform process documentation and compliance adherence Measures of Success Accuracy % FTE/NFTE productivity Voice of Customer No adverse observations in internal/external audits Process adherence as per MOU Technical Skills / Experience / Certifications Knowledge of Origination process/tools Understanding of credit policy framework Competencies critical to the role Detail Orientation Process Orientation Analytical Ability Verbal and written communication Qualification Graduate in any discipline Preferred Industry BFSI

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, 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 To ensure timely and accurate fraud alert decisioning to prevent and detect frauds, ensure adherence to regulatory compliance and deliver appropriate customer experience. Role Accountability Fraud Prevention, Detection, Monitoring & Compliance: Analyze applications/transactions for patterns to unearth frauds & make decisions / judgements to approve/decline the applications or block / unblock cards Communicate with the applicant / customer to understand the patterns & make judgments to approve/decline the applications or block / unblock cards Report/Share Fraud Modus Operandi observed with the analytics team & management for early detection & prevention of frauds through appropriate rule coding Ensure adherence to regulatory compliance on KYC and transaction monitoring Fraud awareness to customers to safeguard them against potential fraud threats Action suspected fraud alerts while delivering the best levels of customer experience Process Excellence: Ensure application and transaction fraud alert decisioning for low/ medium risk cases Ensure adherence to process SOPs & customer contact policies Measures of Success Productivity (No. of cases decisioned in a day) as per MOU Fraud Decisioning Accuracy Fraud Catch Rate False Positive Rate Fraud trends highlighted and process improvement opportunities suggested Process Adherence as per MOU Technical Skills / Experience / Certifications Basic knowledge of Fraud Management, Application Sourcing and Transaction Processing systems and KPI Experience of documenting case facts Competencies critical to the role Analytical Ability and Problem Solving Decisiveness Listening skills Process Orientation Qualification Graduate in any discipline from a reputed and recognized institute / University Preferred Industry Banking / Financial Services / E-Commerce / Fintechs / Telecom / Insurance

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, 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 Responsible for: Ensuring KYC scrubbing task adherence within Timelines Meeting daily production requirements Preparing and Publishing Daily refusal Reconciliations Preparing & Publishing High Risk as per compliance Audit Requirements Managing customer communication plan as per schedule Role Accountability Ensure accurate data /files updation & MIS for critical processes - KYC renewal, Addon renewal ,address change & PAN associated data files Check KYC deduplication of applications as per the agreed timeline and TAT including database updations Ensure 100% closure of daily incorrect pan cases which are an overlap with KYC renewals Ensure closure of daily in progress cases assigned Publish Wrong and Refusal actioning audit Publish status to Compliance for monthly high risk cases reconciliations Ensure regular reconciliation for overlaps across data all KYC data bases & systems in KYC including V+ Vs card one reconciliations Continuously evaluate processes and identify opportunities for automation via macros/tools available Perform process documentation and compliance adherence Measures of Success Accuracy % Process TAT (Data management TAT/Duplication for KYC TAT etc.) No. of process automation/improvement opportunity identified Process Adherence as per MOU Technical Skills / Experience / Certifications Excellent working knowledge of Excel ( knowledge on other data management tools will be preferred ) Understanding of basic regulatory compliances on KYC Competencies critical to the role Process Orientation Detail Orientation Analytical Ability Qualification Graduate in any discipline Preferred Industry FSI

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, 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 Responsible for Manual credit decisioning of applications moving to dedupe queue Role Accountability Implement Credit Guidelines while processing applications Maintain requisite levels of quality scores Maintain portfolio quality & other defined SLA Decisioning of applications within defined TAT Timely closure of errors highlighted by monitoring team Perform process documentation and compliance adherence Measures of Success Accuracy % FTE/NFTE productivity Voice of Customer No adverse observations in internal/external audits Process adherence as per MOU Technical Skills / Experience / Certifications Knowledge of Origination process/tools Understanding of credit policy framework Competencies critical to the role Detail Orientation Process Orientation Analytical Ability Verbal and written communication Qualification Graduate in any discipline Preferred Industry BFSI

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, 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 Responsible for: Working on allocated Video KYC cases by Production delivery with accuracy : The responsibility includes direct dealing with potential /existing customers over video call (as per SOPs defined) Timely execution of VKYC and manage the Ageing Inventory Diligent execution/decisioning to ensure strict adherence to the policy guidelines Driving Process Initiatives and Improvement Ideas within the KYC process Role Accountability Review , execute and decision the allocated cases for Video KYC processes : This includes close coordination with the sales team spocs as well as the customer by conducting the Video KYC verification for potential /existing customer base (in line with the process /policy defined) Ensure 100% adherence to the regulations/policy defined for Video KYC process as well as KYC documents ( Officially valid documents -OVDs)Ensure accurate updation of the decisioning files/system for the final decisions on the cases Ensure that the benchmark productivity /accuracy TAT target is met also support team targets for the same Ensure prioritization and closure of urgent customer/internal stakeholders emails as well as VKYC referrals Review the process and proactively identify the gaps highlight the same for changes - including communication templates/customer concerns/RCAs Maintain/track process specific responsibilities assigned for any new changes in policies/systems/processes Ensure nearly zero complaints from internal as well as external customers by ensuring accurate /timely execution of responsibilities Cater to exceptional requests, escalation, queries and activities as required by the business Measures of Success Productivity Accuracy % ( basis strict adherence to policies/SOPs) Process TAT (Data management TAT etc.) No. of process automation/improvement opportunity identified Technical Skills / Experience / Certifications Working knowledge on Excel Understanding of basic KYC regulatory compliance framework Competencies critical to the role Process Orientation Verbal and written communication Detail Orientation Analytical Ability Qualification Graduate in any discipline Preferred Industry FSI

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, 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 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 the management of all collections processes for allocated portfolio in the assigned CD/Area basis targets set for resolution, normalization, rollback/absolute recovery and ROR. Role Accountability Conduct timely allocation of portfolio to aligned vendors/NFTEs and conduct ongoing reviews to drive performance on the business targets through an extended team of field executives and callers Formulate tactical short term incentive plans for NFTEs to increase productivity and drive DRR Ensure various critical segments as defined by business are reviewed and performance is driven on them Ensure judicious use of hardship tools and adherence to the settlement waivers both on rate and value Conduct ongoing field visits on critical accounts and ensure proper documentation in Collect24 system of all field visits and telephone calls to customers Raise red flags in a timely manner basis deterioration in portfolio health indicators/frauds and raise timely alarms on critical incidents as per the compliance guidelines Ensure all guidelines mentioned in the SVCL are adhered to and that process hygiene is maintained at aligned agencies Ensure 100% data security using secured data transfer modes and data purging as per policy Ensure all customer complaints received are closed within time frame Conduct thorough due diligence while onboarding/offboarding/renewing a vendor and all necessary formalities are completed prior to allocating Ensure agencies raise invoices timely Monitor NFTE ACR CAPE as per the collection strategy Measures of Success Portfolio Coverage Resolution Rate Normalization/Roll back Rate Settlement waiver rate Absolute Recovery Rupee collected NFTE CAPE DRA certification of NFTEs Absolute Customer Complaints Absolute audit observations Process adherence as per MOU Technical Skills / Experience / Certifications Credit Card knowledge along with good understanding of Collection Processes Competencies critical to the role Analytical Ability Stakeholder Management Problem Solving Result Orientation Process Orientation Qualification Post-Graduate / Graduate in any discipline Preferred Industry FSI

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, 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 responsibility will determine all the projects of Customer Services with end-to-end solutions from BRD finalization to Project Delivery. This role requires engagement in solution, designing, product procurement, BRD Finalization, testing scenarios, Production deployment, cost/benefit analyses, and performance reviews. Role Accountability RFP Process - Product Procurement or Managed Services Collaborate with business & Technical team to write an RFP Understand the major constraints in current system/services, approved budget for the project, timelines, SLA s, any functionality, features non-negotiable Create a draft of scoring criteria basis understanding from Business & Technical team Follow sourcing guidelines approved by the Company Review & schedule walkthrough of the RFP with internal stakeholders to seek their feedback Review relevant reports such as Gartner to ensure RFP reaches out to the highly rated vendors Review responses, attend Vendor Walkthrough, participate in scoring Involve in Business Case preparation Finalize the Scope of work document with the vendor Ensure timely Vendor Onboarding Measures of Success No. of Key projects and programs delivered Deliver assigned activities with best quality and within the desired timelines Ensure first right delivery in production for the projects/tasks assigned to him Team motivation and performance Technical Skills / Experience / Certifications Demonstrate deep knowledge and experience in the Banking & Finance Domain Working knowledge of common techniques, tools, and languages used for enterprise analysis and business modeling such as UML, MS Project and MS Visio Well-versed with SDLC Knowledge of requirement-gathering tools and Certification of Business Analysis Professionals like CBAP, ECBA Knowledge of ALM tool which will be used during testing Knowhow to create FMEAs Experience of designing user experience for customer service agents which includes and not limited to design user journeys, create communication messages etc. Should have working experience of digitizing lean business processes for customer services focusing on eliminating the manual touchpoints and creating simplified processes Should have a past experience of working with a CRM tool preferably Siebel Competencies critical to the role Should have strong written and verbal communication skills Strong problem-solving skills, communicates in a clear and succinct manner, and effectively evaluates information/data to make decisions; anticipates obstacles and develops plans to resolve Should be able to manage cross-functional stakeholders from SBI Card and partner employees. You should have experience of defining IT processes, cross-platform IT solutions and delivery of projects Creates processes with customer viewpoint Knowledge of CS Domain and technology solutions You need to effectively manage business and IT stakeholders through regular reviews and effective communication. Qualification B.E / B.Tech / MCA in Computer Science/IT. MBA/PGDM from Tier 1/2 Institutes. Relevant experience or SBICARD verified leadership programs in technology Preferred Industry Credit cards - BFSI

About Us 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. 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 the management of all collections processes for allocated portfolio in the assigned CD/Area basis targets set for resolution, normalization, rollback/absolute recovery and ROR. Role Accountability Conduct timely allocation of portfolio to aligned vendors/NFTEs and conduct ongoing reviews to drive performance on the business targets through an extended team of field executives and callers Formulate tactical short term incentive plans for NFTEs to increase productivity and drive DRR Ensure various critical segments as defined by business are reviewed and performance is driven on them Ensure judicious use of hardship tools and adherence to the settlement waivers both on rate and value Conduct ongoing field visits on critical accounts and ensure proper documentation in Collect24 system of all field visits and telephone calls to customers Raise red flags in a timely manner basis deterioration in portfolio health indicators/frauds and raise timely alarms on critical incidents as per the compliance guidelines Ensure all guidelines mentioned in the SVCL are adhered to and that process hygiene is maintained at aligned agencies Ensure 100% data security using secured data transfer modes and data purging as per policy Ensure all customer complaints received are closed within time frame Conduct thorough due diligence while onboarding/offboarding/renewing a vendor and all necessary formalities are completed prior to allocating Ensure agencies raise invoices timely Monitor NFTE ACR CAPE as per the collection strategy Measures of Success Portfolio Coverage Resolution Rate Normalization/Roll back Rate Settlement waiver rate Absolute Recovery Rupee collected NFTE CAPE DRA certification of NFTEs Absolute Customer Complaints Absolute audit observations Process adherence as per MOU Technical Skills / Experience / Certifications Credit Card knowledge along with good understanding of Collection Processes Competencies critical to the role Analytical Ability Stakeholder Management Problem Solving Result Orientation Process Orientation Qualification Post-Graduate / Graduate in any discipline Preferred Industry FSI

About Us JOB DESCRIPTION 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 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 the management of all collections processes for allocated portfolio in the assigned CD/Area basis targets set for resolution, normalization, rollback/absolute recovery and ROR. Role Accountability Conduct timely allocation of portfolio to aligned vendors/NFTEs and conduct ongoing reviews to drive performance on the business targets through an extended team of field executives and callers Formulate tactical short term incentive plans for NFTEs to increase productivity and drive DRR Ensure various critical segments as defined by business are reviewed and performance is driven on them Ensure judicious use of hardship tools and adherence to the settlement waivers both on rate and value Conduct ongoing field visits on critical accounts and ensure proper documentation in Collect24 system of all field visits and telephone calls to customers Raise red flags in a timely manner basis deterioration in portfolio health indicators/frauds and raise timely alarms on critical incidents as per the compliance guidelines Ensure all guidelines mentioned in the SVCL are adhered to and that process hygiene is maintained at aligned agencies Ensure 100% data security using secured data transfer modes and data purging as per policy Ensure all customer complaints received are closed within time frame Conduct thorough due diligence while onboarding/offboarding/renewing a vendor and all necessary formalities are completed prior to allocating Ensure agencies raise invoices timely Monitor NFTE ACR CAPE as per the collection strategy Measures of Success Portfolio Coverage Resolution Rate Normalization/Roll back Rate Settlement waiver rate Absolute Recovery Rupee collected NFTE CAPE DRA certification of NFTEs Absolute Customer Complaints Absolute audit observations Process adherence as per MOU Technical Skills / Experience / Certifications Credit Card knowledge along with good understanding of Collection Processes Competencies critical to the role Analytical Ability Stakeholder Management Problem Solving Result Orientation Process Orientation Qualification Post-Graduate / Graduate in any discipline Preferred Industry FSI

About Us JOB DESCRIPTION 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 Responsible for the management of all collections processes for allocated portfolio in the assigned CD/Area basis targets set for resolution, normalization, rollback/absolute recovery and ROR. Role Accountability Conduct timely allocation of portfolio to aligned vendors/NFTEs and conduct ongoing reviews to drive performance on the business targets through an extended team of field executives and callers Formulate tactical short term incentive plans for NFTEs to increase productivity and drive DRR Ensure various critical segments as defined by business are reviewed and performance is driven on them Ensure judicious use of hardship tools and adherence to the settlement waivers both on rate and value Conduct ongoing field visits on critical accounts and ensure proper documentation in Collect24 system of all field visits and telephone calls to customers Raise red flags in a timely manner basis deterioration in portfolio health indicators/frauds and raise timely alarms on critical incidents as per the compliance guidelines Ensure all guidelines mentioned in the SVCL are adhered to and that process hygiene is maintained at aligned agencies Ensure 100% data security using secured data transfer modes and data purging as per policy Ensure all customer complaints received are closed within time frame Conduct thorough due diligence while onboarding/offboarding/renewing a vendor and all necessary formalities are completed prior to allocating Ensure agencies raise invoices timely Monitor NFTE ACR CAPE as per the collection strategy Measures of Success Portfolio Coverage Resolution Rate Normalization/Roll back Rate Settlement waiver rate Absolute Recovery Rupee collected NFTE CAPE DRA certification of NFTEs Absolute Customer Complaints Absolute audit observations Process adherence as per MOU Technical Skills / Experience / Certifications Credit Card knowledge along with good understanding of Collection Processes. Competencies critical to the role Analytical Ability Stakeholder Management Problem Solving Result Orientation Process Orientation Qualification Post-Graduate / Graduate in any discipline Preferred Industry FSI

About the company 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. 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 The role is responsible to perform accounting and bookkeeping activities, balance sheet reconciliations and collaborate with auditors in order to ensure timely account closing and reporting in accordance with the guidelines and best practices followed by the organization. Role Accountability Closing of books of accounts and Reporting Preparation of Balance Sheet, Profit and loss statement in line with Ind AS guideline. Capital Risk Adequacy Ration in line with RBI Master direction applicable for NBFC for each reporting date Preparation of Balance Sheet Pack for CFO and Controller Review Preparation of P & L dashboard for monthly review Prepare ratio analysis for ad hoc reporting to RBI/SBI Assists in preparing Schedules/notes in relation to annual financial statement Prepare Open items for ORMC reporting Audit coordination Coordinate with peer department for information related to qtrly/annual audit [RBI/CAG/Statutory audit] Coordinate with RISK/CS/Treasury to arrange data for adhoc audit queries from regulator. Measures of Success Timely closure of monthly/quarterly books and reviews Timely closure of audits Zero unreconciled accounts and no aged open items Compliance to prescribed internal control, laid down policies and procedures Timely and accurate updation of process documentation Process Adherence as per MOU Technical Skills / Experience / Certifications Knowledge of closing and reporting Knowledge of Indian GAAP, new Ind-AS and Regulatory requirements for NBFC Competencies critical to the role Process Orientation Detail Orientation Quantitative Ability Qualification CA Preferred Industry FSI

About the company 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. 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 Managing SBI Card Face to Face Interactions (Walk-in Desk) Handling complaint received from sales, collections and location stakeholders SBI Branch stakeholder management Role Accountability Redressal of customer complaints / escalations received through RBI/SBI and walk-in desks. Responsible for providing best possible solution to end customer. Identify root causes for escalations, suggest process improvements. Highlight to all stake holders on escalations received. Handle walk-in customers and RBI complaints, complete RCA with quality resolution Ensure Wing-to-Wing Resolutions of cases received with utmost accuracy and delivering best in class service. Final Resolution to be communicated to Customer and related stake holders. Conduct Service camps at SBI branches manned/unmanned in and around locations Maintain reports / mis / dashboards for the activities handled to monitor performance and progress To be sensitive towards complaints and the stricter timelines, should co-ordinate with cross functions to get necessary resolution, requires follow-ups and influencing decisions. Ensure completion of cases within timelines and within quality standards. Handling good relationship with RBI and local SBI offices and reconciliation of complaints / queries is very critical. Revenue generation through Upsell, Retention, Collection and New acquisition Ensure FCR> 95% , reduction in repeat Measures of Success No External/ Internal Escalation Defined TAT on BO, Walk-in Escalation to be met Positive VOC and feedback from customers and BO 100% Productivity 95% quality target to be met FCR target to be met Retention target to be met Technical Skills / Experience / Certifications MS Outlook (MS Excel, Powerpoint) Competencies critical to the role Excellent team/ people management skills. Excellent, professional phone and communication skills - interpersonal, verbal, and written with the goal of influencing outcomes. Must be able to build positive, productive relationships with customers and team members. Good networking skills. Excellent listening, trouble shooting, problem solving and analytical skills with ability to resolve conflict effectively. Strong organization, time management, and multi-tasking skills. Self-starter with ability to work independently with minimal supervision. Proficient in use of Microsoft Office including Outlook, Excel, and Word Qualification Graduate / Post Graduate from a reputed institute with 3-5 years of experience in credit card industry. Proficient in use of Microsoft Office including Outlook, Excel, and Word Preferred Industry Customer Services - Credit Card

About Us 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. 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 To effectively execute Enterprise Risk Management framework, interact with senior management team, highlight gaps in processes/ controls through effective risk assessment and governance of risk management processes in the organization. Role Accountability Organize and manage Enterprise Risk Management Committee (ERMC), Operational Risk Management Committee (ORMC), Information Security Committee(ISC) and New Product Introduction (NPI) meetings and highlight new material risks for the company and to ensure they are discussed at appropriate forums Prepare agenda/documentation/ minutes/ for ERMC, ORMC, NPI and ISC meetings and ensure adequate follow up of the issues/ recommendations of the committees and perform independent validation of closed items, highlight gaps to committee, if any Monitor Enterprise Risk Management practices to identify, analyze and report enterprise wide risk Ensure effective implementation of organization s risk management policy in accordance with risk appetite/ risk objectives and ISO 31000 framework and ensure its compliance with regulations and alignment with SBI policy strategically Design and maintain risk management tools like Key Risk Indicators, loss database, scenario analysis, stress test, etc. Report performance of KRI against management approved thresholds to risk committee Review KRI library including risk thresholds annually and recommend for update to VP ERM, wherever required Policy governance - Track policy approval due date, align documents with parent policy and regulatory guidelines, discuss gaps with policy owner and ensure document is updated before submission to board for approval and obtain stakeholder inputs before policy submission to policy review committee Develop frameworks and risk management programs to build risk proficiency and enhance organization risk culture Assist in strengthening ORM Framework, participate in Risk and Control Self-Assessment (RCSA) exercise, identify vulnerabilities and potential control gaps, discuss and formulate action items with process owners to bridge gaps and track action items for timely closure Perform independent testing to evaluate efficacy of internal controls, process, procedures or systems and consult with first line to open issues related to control failures, implementation plans and timelines to implement recommended actions Manage OR incidents, liaise with business for RCA, resolution and corrective action plan and report OR incident report to senior management Prepare ISO 27001 risk register and ensure it is current and updated Ensure adherence to regular process documentation practices in compliance with the process guidelines Measures of Success Completeness and timeliness in Board documentation, Timely reporting to SBI Monthly ORMC and quarterly ERMC are held in time and minutes circulated and tracked for implementation Effective Policy Management and Risk policy implementation Product governance and reviews are held as per schedule and in line with NPI process RCSA testing is done as per the process defined No adverse regulatory/audit findings Timely design and implementation of Risk awareness programs Timely and accurate updation of process documentation Process Adherence as per MOU Technical Skills / Experience / Certifications Extensive knowledge of Enterprise Risk Management frameworks and principles Experience in preparing deliverables for Management Committees and Board reporting Ability to apply Risk Management techniques for risk identification, assessment, measurement and the monitoring of exposures that may threaten the organization, come up with recommendation for result-oriented solutions Understanding of COSO Internal Controls Framework and ISO 31000 framework Understanding of Basel III Operational Risk Competencies critical to the role Team Player and ability to operate with tight deadlines Strong Communication & Interpersonal Skills with ability to effectively communicate across all levels of an organization and outside company boundaries Qualification CA/MBA Finance Preferred Industry BFSI, Any