Job Description

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

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 overall development of an employee through comprehensive learning & development framework

Role Purpose

The role will lead strategic initiatives, governance frameworks, and control oversight for the eKYC platform and KYC processing systems, ensuring full regulatory compliance, timely delivery of regulatory and business-driven projects, robust risk management, and sustainable scalability of digital KYC operations.

Role Accountability

1. Projects & Transformation

Lead enterprise-wide KYC platform transformation initiatives that significantly enhance customer onboarding speed and regulatory compliance. This includes the implementation of new mandates from RBI , UIDAI , CERSAI as well as process re-engineering to drive operational efficiency. The role goes beyond traditional project management, positioning the AVP as a transformation leader who ensures every KYC initiative delivers measurable business value and sustained compliance impact.

2. Governance & Controls

Establish and uphold robust governance frameworks, policies, SOPs, and control standards for the KYC platform, ensuring continuous alignment with evolving regulatory expectations from RBI, PMLA, UIDAI, and CERSAI. Closely monitor all applicable guidelines to maintain full compliance and proactively adapt to regulatory changes. Define and enforce risk-based KYC controls, including maker-checker mechanisms and approval hierarchies, to mitigate operational and compliance risks. Oversee data governance, record retention, and information security protocols to ensure the integrity, confidentiality, and audit-readiness of all KYC systems

3.Regulatory & Audit Management

Serve as the single point of accountability for all regulatory inspections, internal audits, and system audits related to KYC platforms. Proactively track, remediate, and close audit observations and regulatory action items within defined timelines, ensuring sustainable fixes and zero repeat findings. Coordinate and manage all regulatory reporting and formal responses related to KYC system controls, maintaining full transparency and audit-readiness across all compliance touchpoints.

4.Stakeholder Governance/ Management

Govern KYC technology vendors, system integrators, and API partners by enforcing SLAs, monitoring performance metrics, and ensuring adherence to compliance obligations. Conduct thorough vendor risk assessments, due diligence, and periodic performance reviews to maintain operational resilience and regulatory alignment. Collaborate closely with Compliance, Risk, IT, Operations, Legal, and Business teams to ensure seamless alignment of KYC initiatives across internal and external stakeholders.

Measures of Success

1. 100% compliance with UIDAI, RBI, CERSAI circulars, SBI Card KYC policy
2. Zero critical audit / security observations related to KYC Platform
3. Timely implementation of regulatory changes within defined TAT
4. All KYC platform should obey secure by design principle

Technical Skills / Experience / Certifications

1. Hands on Technical Experience in Designing and Solutioning the large scale web based application using Java 8 and 17, Spring, Spring Boot, Microservices, REST-API, Apache Tomcat, web servers, Oracle WebLogic, logging frameworks, and ELK stack.
2. Domain experience in Credit Cards , KYC Regulations .
3. Application Vulnerabilities Management
4. Proficiency in non-mainframe and web-based applications, including Spring Boot microservices, APIs, and Apache Camel middleware.
5. Skills in team and stakeholder management.
6. Robust analytical capabilities.
7. Database design experience with in-depth knowledge of databases and SQL (non-administrative), covering Oracle, MySQL, and PostgreSQL.

Competencies critical to the role

1. Provide deep expertise in Regulatory frameworks and Project Management to drive compliant KYC initiatives.
2. Leverage strong KYC technology knowledge to design and implement secure, efficient solutions.
3. Establish robust risk governance practices to mitigate exposure and ensure operational resilience.
4. Deliver audit-ready KYC projects with full compliance, security, and transparency across all phases

Qualification

1. Bachelor’s degree in Commerce, Finance, Banking, or Information Technology.
2. Certified PMP, AML & KYC Professional.

Preferred Industry

BFS