Vice President - Credit Portfolio Strategy & Data Analytics

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, 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 a comprehensive learning & development framework

Role Purpose 

The role is responsible for monitoring the implementation of strategies & policies to ensure portfolio growth, monitoring that delinquencies are within benchmarks through regular tracking mechanisms together with collaborating with cross-functional teams and active stakeholder management to achieve organization goals.

Role Accountability 

1. Optimize strategy (for SBI Shikhar) through regular engagements with the parent Bank
2. Maintain & sustain profitability in Encash Portfolio while meeting Yearly Targets & maintain delinquency below benchmark
3. Design and implement new programs to generate additional revenue and increase the EMI book 
4. Optimize credit line allocation across the portfolio to manage spending & portfolio profitability as per MOU
5. Supervise data analytics, modeling, and segmentation for portfolio management
6. Evaluate portfolio segments with high-risk concentration due to high unsecured credit exposure and take appropriate actions to mitigate risks
7. Oversee end-to-end daily review of transaction declines to maximize authorization rate and optimize extended authorization strategy across portfolio segments 
8. Manage existing relationships and future implementation of any new card network - Visa/Mastercard/Rupay/Amex/JCB
9. Approve AI /ML /Automation techniques in business processes to enhance process efficiency and customer experience
10. Oversee successful implementation of the exit process of all secured cards with partner banks
11. Approve segmentation based on sourcing channel, CAT C/SE/BANCA/Open market, moratorium behavior, and card usage pattern
12. Ensure optimal utilization of Bureau/alternate data to launch various cross-sell campaigns and portfolio growth strategies
13. Oversee the development and implementation of effective risk management strategies that help mitigate credit losses and increase portfolio
14. Partner with compliance to understand the recent regulatory/network guidelines and analyze implications on the portfolio in order to respond to regulatory guidelines
15. Assist project lead and work with team members to draft the Business Requirement Documents (BRD) and co-ordinate for approval 
16. Influence or lead efforts that support the organization's regulatory compliance
17. Support in all the portfolio-related data requirements as per Regulator’s requirement for audit & inspection purposes
18. Maintain portfolio loss rates within the defined benchmarks
19. Resolve customer queries escalated by the customer service team wrt to limit the increase

Measures of Success 

1. Maintain portfolio loss rates and delinquencies within the defined benchmarks
2. Maintain authorization success rate within the defined benchmarks
3. Achieve cross-sell targets as per agreed MOU
4. Process Adherence as per MOU

Technical Skills / Experience / Certifications

1. Expertise in Data Analytics & 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 Sys

Competencies critical to the role

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

Qualification 

Master’s degree in relevant field

Preferred Industry

FSI / Any