Senior Manager - Decisioning (Dedupe & Underwriting )

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

1. 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


2. Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees


3. Dynamic, Inclusive and Diverse team culture 


4. Gender Neutral Policy


5. Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits


6. Commitment to the overall development of an employee through comprehensive learning & development framework

Role Purpose

Responsible for leading a team of Credit underwriting & Dedupe Team Leaders, managing the underwriting & dedupe process, processing applications annually.

 Role Accountability 

1. Initiate projects aiming towards process improvements, productivity enhancement, and better quality 


2. Support Sales Team & working closely with the Channel Head/NSM/ZSM to help reduce declines and boost approval rates


3. Regular engagement with regional sales team for application volumes forecasting per month & delivery which can help in ensuring maximizing sales throughput & accounts booking in same month for the business


4. Manage overall inventory to ensure all business metrics are adhered to


5. Perform detailed analysis on Inflows to reduce volumes


6. Drive initiatives for process improvements, automation and enhance customer experience


7. Monitor VIC & reviewing processes to enhance productivity/ save man-hours and eliminate NVAs


8. Ensure all business projects are delivered as per timelines keeping RBI/ other regulatory guidelines in mind to ensure implementation is sustained post development


9. Monitor TAT of resolution, quality and process accuracy for all financial and non financial transactions handled by the unit


10. Facilitate and supervise internal audits for monitoring key critical financial and non financial processes


11. Ensure all audit findings and observations are adhered to and sustained 


12. Ensure process has sufficient contingency /BCP which can support smooth functioning of operations in adverse conditions/environment


13. Collaborate with key stakeholders like Risk, Sales and Information Technology teams to ensure a World Class Originations’ platform (LOS) is maintained for seamless sourcing/lead management, processing and underwriting of new applications


14. Ensure end to end tracking of entire process for new products to prevent leakages and process breakdowns


15. Ensure process documentation and compliance adherence

Measures of Success 

1. Accuracy %


2. FTE productivity


3. TAT adherence for sub-processes


4. Voice of Customer


5. No adverse observations in internal/external

Technical Skills / Experience / Certifications

1. Knowledge of Origination process/tools


2. Understanding of credit policy framework

Competencies critical to the role

1. Analytical Ability 


2. Innovation & Problem Solving


3. Detail Orientation


4. Process Orientation


5. Stakeholder Management

Qualification 

Graduate in any discipline

Preferred Industry

FSI