Assistant Vice President - Zonal Collections

SBI Cards and Payment Services Private Ltd.; India; On-site; INR 1,800,000 - 2,400,000; Full time

Benefits offered by this job

Wellness program

Rewards program

Diverse team culture

Health benefits

Learning & development

Job summary

SBI Cards and Payment Services Private Ltd. is seeking an Assistant Vice President - Zonal Collections to lead field collection operations across the zonal cluster.

The role focuses on driving recovery through regional teams, formulating strategies, and ensuring cost efficiency and compliance. The incumbent will oversee portfolio performance, implement collection treatments, and push for superior outcomes by leveraging analytics and stakeholder coordination across markets.

Qualifications

• Credit Card knowledge along with good understanding of Collection Processes.
• Experience in collections leadership or operations is desirable.
• Ability to analyze portfolio performance and drive recoveries.

Responsibilities

• Lead a team of Regional Managers and ACMs to drive field collections as per operating plan.
• Formulate and implement zonal collection strategies based on market dynamics and portfolio spread.
• Monitor cost, compliance, and process adherence to ensure efficient operations.
• Ensure 100% SVCL coverage at vendor locations and timely reporting to Finance.
• Identify new markets and expansion opportunities with red flags on sourcing quality.
• Drive portfolio treatments and analytics to maximize recoveries and minimize losses.

Skills

Credit card knowledge

Collections processes

Analytical ability

Stakeholder management

Problem solving

Result orientation

Process orientation

Education

Post-Graduate / Graduate in any discipline

Job description

Assistant Vice President - Zonal Collections

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
• 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 comprehensive learning & development framework

Role Purpose

Responsible for leading team of Regional Managers for effectively conducting field collection Processes and deliver on portfolio performance.

Role Accountability

• Manage portfolio (Multiple Due Stages) performance through a team of Regional Collections Managers & ACMs, in line with Operating Plan.
• Ensure appropriate infrastructure and resource availability to carry out collections as per operating plan
• Formulate collection strategies for the zonal cluster basis market dynamics, portfolio spread/segmentation and business requirements
• Identify critical/non performing segments and ensure appropriate legal hardship tools are applied to them for satisfactory resolution
• Conduct regular performance review with all vendors, Agency Managers & Regional Collections Manager for all critical metrics to track the portfolio health and ensure healthy process
• Monitor field collections by bucket/vintage/region to ensure cost adherence in operations and achieve cost efficiencies
• Ensure adherence to Compliance Policy, Collections processes and Audit requirements, Code and conduct and maintaining standards to achieve customer satisfaction
• Ensure proper recourse mechanism is followed to resolve customer complaints in a timely and satisfactory manner
• Ensure 100 % SVCL coverage at all vendor locations of the Zone
• Ensure monthly cost provisions are reported to Finance team as per timelines
• Identify upcoming markets in accordance with the Sales growth plan and evaluate setting up/expanding operations basis volumes; Raise timely red flags on sourcing quality in new markets ensuring portfolio hygiene
• Participate strategically and tactically in development and implementation of portfolio treatments to maximize collection for the portfolio and increase resolution/extraction
• Perform peer benchmarking to create competitive infrastructure and deliver best in class performance on key metrics such as Credit Recovery as a percentage of Principle Credit Charge offs, Gross write-off, GNPA rates, Settlement loss rates, rate of recovery

Measures of Success

• GNPA (Gross Non Performing Asset) Rate and Value
• 30+ and 90+ Delinquency rate
• 30 to write off POF (Product of Flows)
• GWO (Gross Write Off)
• Cost of collection
• Settlement waiver rate
• Absolute Recovery
• Settlement waiver rate
• Cost of collection
• Extraction rate
• CAPE management
• ROR
• Absolute recovery/ACM
• Regulatory Customer complaint %
• Process adherence as per MOU

Technical Skills / Experience / Certifications

Credit Card knowledge along with good understanding of Collection Processes

Competencies critical to the role

• Analytical Ability
• Stakeholder Management
• Problem Solving
• Result Orientation
• Process Orientation

Qualification

Post-Graduate / Graduate in any discipline

Preferred Industry

FSI

Job Info

• Job Identification 21523
• Posting Date 08/19/2026, 09:26 AM
• Apply Before 09/25/2026, 06:30 PM
• Locations SBI CARDS,No.110-112 and 117-119 (Lobby No.2),, Ahmedabad, Gujarat, 380009, IN