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SBI Cards & Payment Services

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3.7

based on 4.1k Reviews

Video summary

93 SBI Cards & Payment Services Jobs

Senior Manager - Portfolio Strategy

SBI CARDS AND PAYMENT SERVICES PRIVATE LIMITED.

3.7

based on 4.1k Reviews

4-7 years

Gurgaon / Gurugram

1 vacancy

Senior Manager - Portfolio Strategy

SBI Cards & Payment Services

posted 4hr ago

Job Role Insights

Fixed timing

Key skills for the job

Data Analytics Python Automation Testing Clinical SAS Programming Medical Insurance IT Operations Management

+ 2 more

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

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
Admirable work deserves to be rewarded. We have a well-curated bouquet of rewards and recognition program for the employees
Dynamic, Inclusive and Diverse team culture
Gender Neutral Policy
Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
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

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

Measures of Success

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

Technical Skills / Experience / Certifications

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

Competencies critical to the role