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

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 handling the decline review cases assigned, contributing to an increase in application approval rate for new accounts.

Role Accountability

1. Conduct timely review & restart of eligible declined apps on a daily basis to ensure accounts contribution target is met
2. Understand applicable credit/risk policies and regulatory guidelines to review the applications for any possible deviations
3. Conduct process reviews and suggest improvement areas, leading to process improvements
4. Liaison with various departments to ensure application curing within TAT
5. Conduct review of GC Q Cases on a regular basis & take decisions as per guidelines
6. Perform re-review of re-declined apps to ensure higher throughput
7. Ensure Quality Metrics are met as defined by business for declined application reviews
8. Ensure timely review & resolution of sales queries
9. Perform process documentation and compliance adherence

Measures of Success

1. Process accuracy %
2. Productivity targets as per SLA (application throughput rate, application review TAT, GC Q Decisioning TAT, query response TAT)
3. Process adherence as per MOU

Technical Skills / Experience / Certifications

Basic awareness of Credit Card Sales & Operations process

Competencies critical to the role

1. Process Orientation
2. Detail Orientation
3. Analytical Ability
4. Teamwork & Collaboration

Qualification

Graduate in any discipline

Preferred Industry

Service Industry