Senior Manager - Portfolio Strategy

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 the overall development of an employee through a comprehensive learning & development framework

Role Purpose 

The role is responsible for ensuring the implementation of strategies & policies to ensure portfolio growth, maintaining delinquencies within benchmarks through regular tracking mechanisms together with designing and launching new campaigns to achieve organization goals.

Role Accountability 

1. Maintain & sustain profitability in Encash Portfolio and delinquency rates below benchmark levels
2. Offer encash & CLI to low and marginal-risk segments, which act as an NEA builder for the portfolio
3. Effective Utilization of data from other bureaus to offer encash to customers
4. Track & monitor portfolio performance and take corrective actions to maintain the portfolio delinquency within benchmark rates
5. Identify opportunity or stress segments in the portfolio and take appropriate actions(+ve and -ve actions) 
6. Conduct data analytics, modeling, and segmentation for portfolio management
7. Cull out segments to optimize the x-sell coverage of the portfolio
8. Promote customer-driven actions (increase income-driven limit assignment)
9. Create and monitor portfolio Performance dashboard on time every month 
10. Review transaction declines daily and highlight the gaps and abnormal pattern
11. Support the implementation of all regulatory guidelines and network enhancements
12. Drive portfolio management initiatives through the credit cycle management framework by working in partnership with marketing, IT,  operations and collection team
13. Deploy AI /ML /Automation techniques in business processes to enhance process efficiency and  customer experience
14. Manage the exit process of all secured cards with partner banks
15. Support management of existing relationships and future implementation of any new card network - Visa/Mastercard/Rupay/Amex/JCB

Measures of Success 

1. Maintain portfolio loss rates and delinquencies within the defined benchmarks
2. Maintain authorization success rate within the defined benchmarks
3. Design and launch of Campaigns to increase cross-sell as per plan
4. Process Adherence as per MOU

Technical Skills / Experience / Certifications

1. Expertise in Data Analytic & Modelling
2. Strong understanding of the cards business dynamics that will drive the analysis
3. Expertise in data analytics and system tools such as SAS,TRIAD,V+,Python
4. Knowledge of Card networks, Access Control System

Competencies critical to the role

1. Stakeholder Management
2. Written and verbal Communication
3. Analytical Skills & Problem Solving
4. Process Orientation
5. Agility & responsiveness

Qualification 

Master’s degree in economics, statistics or business management

Preferred Industry

FSI