THE PROSPECT

We are seeking a highly experienced and domain-driven Retail Banking Subject
Matter Expert with 18–20 years of strong functional experience across retail
banking back-office operations. The role is responsible for providing deep
domain expertise across key banking products and processes, including credit
cards, payments, secured loans, unsecured loans, customer onboarding, account
opening, KYC, documentation, fulfilment, servicing, and operational controls.

The candidate must have extensive functional experience in managing, advising,
and improving large-scale retail banking back-office operations. The role
requires a strong understanding of regulatory requirements, operational risk,
process controls, governance, compliance, and operational excellence.

This is a functional banking operations SME role and is not intended to be a
technical, IT delivery, or front-office customer experience role.

OUR IDEAL CANDIDATE

* Act as a senior functional SME for retail banking back-office operations
across products such as credit cards, payments, secured lending, unsecured




lending, and customer onboarding.
* Provide deep functional expertise on end-to-end operational processes
including account opening, application processing, documentation checks, KYC
validation, loan fulfilment, card operations, payment processing, servicing,
and operational support.
* Identify process gaps, operational risks, control weaknesses, and improvement
opportunities across retail banking operations.
* Partner with operations, risk, compliance, quality, transformation, and
business stakeholders to ensure processes comply with regulatory, audit, and
internal control requirements.
* Define and standardize operating procedures, process maps, control
frameworks, business rules, and process governance documents across retail
banking functions.
* Ensure operational readiness for new processes, products, migrations,
transitions, and change initiatives within retail banking operations.
* P

📌 Retail Banking SME (Noida)
🏢 Capgemini
📍 Noida