Executive - Pre-Decisioning

SBI Card; Gurugram District; On-site; INR 400,000 - 600,000; Full time

Job summary

SBI Card is seeking a detail-oriented candidate to process credit card applications from the PS2 stage, ensuring strict adherence to KYC norms and income verification. You will conduct credit checks, validate documents, and support timely decision-making in a fast-paced environment.

The role emphasizes accuracy, process compliance, and collaboration with the team to uphold service levels and customer experience in a dynamic fintech setting.

Qualifications

• Credit card knowledge and understanding of credit processes.
• Knowledge of credit documentation and basic financial ability.
• Strong written and verbal communication skills.
• Ability to work with process-driven roles and meet targets.

Responsibilities

• Scrutinize credit card applications for compliance with KYC norms and income documents.
• Conduct credit checks following predefined policies and perform income calculations.
• Ensure adherence to turnaround time (TAT) and accuracy for decision-making.
• Verify the validity of documents attached to applications and maintain process documentation.

Skills

Credit card knowledge

Credit documentation

Financial literacy

Process orientation

Teamwork

Analytical ability

Verbal and written communication

Education

Graduate in any discipline

Job description

About the company

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.

Job Description

About the company

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, colour, 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 comprehensive learning & development framework

Role Purpose

Responsible for processing applications from PS2 process with complete diligence with respect to KYC and income documents.

Role Accountability

• Perform scrutiny of credit card applications
• Check if application is compliant to KYC norms
• Conduct Credit checks in document with predefined policies and get into income calculations
• Ensure adherence to TAT and accuracy for decision-making
• Check for validity of documents attached with the application
• Perform process documentation and compliance adherence

Measures of Success

• Processing/Production Accuracy as per SLA
• Adherence to TAT and accuracy for decision-making
• Process adherence as per MOU

Technical Skills / Experience / Certifications

• Credit Card knowledge along with good understanding of Credit Processes
• Knowledge of credit documentation, basic financial ability

Competencies critical to the role

• Process Orientation
• Teamwork & Collaboration
• Analytical Ability
• Verbal and Written Communication

Qualification

Graduate in any discipline

Preferred Industry

FSI