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Senior Vice President - Pre Acquisition Operations

0 years

4 - 7 Lacs

gurgaon

Posted:1 day ago| Platform: GlassDoor logo

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Skills Required

support recognition development learning underwriting management digitizing checks database verification processing data retention drive metrics regulations onboarding standardization mobile controls benchmarking strategies technology analytics sourcing analysis forecasting documentation compliance effectiveness audits certifications ai ml automation

Work Mode

On-site

Job Type

Part Time

Job Description

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 leading the end-to-end process for New Account Underwriting and carding at SBI Card pan India, by leading a team spread across the country. The process involves management of the following sub processes – New Application Processing/ Digitizing, Validation of KYC and Surrogate documents, Credit Bureau checks, De-duplication against internal database, Contact point verification (Field & telephonic) & final Underwriting of customers.

Role Accountability

  • Oversee end to end processing (data capturing, documents/KYC check, de-duplication, bureau address checks, tele and field verifications and underwriting) of applications, archival of BTD application forms according to regulatory norms and document retention guidelines.
  • Oversee a team of specialists and guide them to identify opportunities in process/policies across the credit card application lifecycle and cure deficient applications as well as upsell premium offerings to eligible customers.
  • Lead cost management by maintaining capacity elasticity to manage monthly volume crests and troughs, Responsible for constant Y-O-Y cost rationalization by digitizing and ensuring that economies of scale are ploughed back.
  • Drive metrics such as application throughput rate within the defined policy framework, adherence to KYC regulations and guidelines during customer onboarding.
  • Drive productivity and process standardization through digital interventions like system-based rules/validations at all the legs like document validation, dedupe and automated underwriting, mobile application for field verifications, Geo intelligence-based controls, dialers.
  • Perform continuous benchmarking of internal processes and practices across industries to identify and absorb best practices or improvements at SBI Card.
  • Continuously assess and devise mitigation strategies for operational risks inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures, management restructuring, and the impact of new technology in conjunction with other stakeholders.
  • Oversee vendor onboarding and daily operations across India to ensure adherence to productivity SLAs, internal process adherence guidelines and regulatory requirements.
  • Oversee trend analytics for New Accounts sourcing and card processing and share analysis with internal and external stakeholders to ensure cascading of learnings and greater accuracy in forecasting with regards to volumes, capacity and accuracy.
  • Oversee process documentation and compliance adherence.

Measures of Success

  • Operational SLAs (Process Accuracy %, Process TAT adherence)
  • Application processing rate
  • Customer complaints due to repeat issues
  • Complaint Resolution Rate/Effectiveness
  • Complaint Resolution TAT
  • Cost efficiencies as per MOU
  • Timely and accurate implementation of projects
  • No adverse observations in internal/external audits
  • Process Adherence as per MOU

Technical Skills / Experience / Certifications

  • Knowledge of credit card application processes
  • Knowledge and experience in Project management
  • Understanding of prevalent systems & technologies used in card industry (Card banking systems, Outsourcing Infrastructure & Technology, AI/ML tools for automation)

Competencies critical to the role

  • Customer Orientation
  • Stakeholder Management
  • Influencing Ability
  • Detail orientation
  • Process Orientation

Qualification

MBA/ PGDM in any discipline

Preferred Industry

FSI

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SBI Card logo
SBI Card

Financial Services

New Delhi

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