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Deputy Vice President - Retail Credit Policy & Credit Admin

Deputy Vice President - Retail Credit Policy & Credit Admin

SBI Card

4 - 9 years

30 - 35 Lacs

Gurugram

Posted:1 day ago| Platform:

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Skills Required

Relationship management Automation Networking Process improvement Underwriting Analytical Gap analysis Medical insurance Operations Auditing

Work Mode

Work from Office

Job Type

Full Time

Job Description

The role is responsible for the implementation of credit risk policies and processes that are in line with business requirements, management of pre-approved and new sourcing programs, and overseeing the Centralized Audit Function from a credit risk perspective as per plans together with active stakeholder management to achieve organization goals.

Role Accountability

Manage new sourcing and underwriting programs /policies in line with business requirements and risk policies
Manage credit risk policy implementation, including retail, SME card, and AURUM card
Analyze deviations to credit policy and monitor errors by the underwriting team
Create operating guidelines/bulletin for the operations, sales and training team
Provide system requirements to the Risk Infra/IT/Underwriting team from a credit risk perspective
Manage and rollout of new programs, including pre-approved and sourcing programs
Identify, drive, and pursue digital onboarding with a focus on information from banking and nonbanking partners
Oversee Centralized Audit Function ( Audit COE) from a credit risk perspective
Suggest measures for process improvement & ensuring gap analysis within a few months of any new process rollout
Ensure training and certification of operations and audit team on credit policy and process
Manage verification strategy, verification decision guidelines, and verification automation initiatives

Measures of Success

Early Delinquency as per agreed threshold
Accuracy of credit decisions through the system and underwriting teams
Certification of underwriting teams
Completion of Critical Projects on Digitization & Automation as per agreed objectives
Management of pre-approved and new sourcing programs as per plans
Process Adherence as per MOU

Technical Skills / Experience / Certifications

Good understanding of market environment and competitor landscape on retail lending
Knowledge of under-writing and operational processes

Competencies critical to the role

Analytical ability and Problem solving
Relationship Management
Networking & Collaboration

Qualification

Master s degree in relevant field

Preferred Industry

FSI / Any

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Deputy Vice President - Retail Credit Policy & Credit Admin