Role Purpose: Be the Second Line of Defense for CFRM & Collections functions and manage the Key Asset Quality, Product Risk & Operational Risk metrics for the Organization. Lead the Governance of the Enterprise, Operational & Vendor Risk Management framework. Closely co-ordinate with SBI Card's Senior Management Team, various functions and SBI A&S; and Risk teams for implementation of the enterprise Risk management framework.

Role Accountability
Credit Risk Management:
Ensure all Credit Risk Parameters are in line with Board Approved Risk Appetite as well as SBIC Internal benchmarks.
Monitor Key Risk indicators and early warning triggers on Asset Quality and ensure ongoing portfolio monitoring to identify and flag-off any areas of concern on a timely basis, for corrective action.
Review and monitor the performance and early delinquencies of the Portfolio at various cuts and recommend corrective Actions in consultation with Credit & Collections team.




Develop the Credit Risk policy encompassing Policy parameters and broad guidelines in line with overall Risk Appetite for Retail Pre-Acquisition, Corporate as well as Portfolio Management.
Prepare Quarterly Investor reports & FAQs on Asset Quality for sharing during the investor / shareholder meetings. Represent the SBI Card Risk team in the regulator Investor meets in SBI Card office or virtually.
Prepare the Quarterly & other regular updates on Asset Quality & Enterprise Risk for the Board & its Committees (RMCB & ACB). Participate in the monthly RMCB update on Asset Quality.
Prepare the Plan / MoU for Credit cost for SBI Card, building in various parameters of Asset Quality from Acquisition & Collections standpoint as well as Macro-economic factors.
Lead the Quick Mortality Committee, review the Quick Mortality and Fresh NPA flows and feed the learnings back into Credit & Collection practices. Coordinate with concerned functions to ensure that the findings / observations are actioned / rectified.
Perform Testing & Mon

📌 Senior Vice President (Gurugram)
🏢 Sbi Card
📍 Gurugram