Fraud Screening Executive

SBI Payment Services Pvt. Ltd.; Gurugram District; On-site; INR 700,000 - 900,000; Full time

Benefits offered by this job

Health Insurance

Personal Accident Insurance

Group Term Life Insurance

Annual Health Checkup

Dental and OPD benefits

Wellness program

Job summary

SBI Card in Gurugram is seeking an Executive - Screening to join its fraud risk team. You will analyze applications and transactions to detect fraud, make timely decisions to approve or decline, and communicate with customers to understand patterns.

The role emphasizes regulatory compliance and customer-centric risk management. The position offers a chance to contribute to a robust fraud prevention framework, balancing risk controls with a positive customer experience in a fast-paced financial

Qualifications

• Bachelor-level graduate from a reputed institute.
• Experience in fraud management or financial services is preferred.
• Knowledge of KYC and transaction monitoring is a plus.

Responsibilities

• Analyze applications/transactions to detect fraud and decide on approvals/declines.
• Communicate with applicants to understand patterns and judgments.
• Share fraud modus operandi with analytics team for early detection.
• Ensure adherence to KYC and transaction monitoring regulations.
• Educate customers on fraud awareness and safeguard their accounts.
• Deliver best customer experience while handling suspected fraud alerts.
• Ensure low/medium risk decisioning in process SOPs and policies.

Skills

Analytical ability

Problem solving

Decisiveness

Listening skills

Process orientation

Education

Graduate in any discipline

Job description

Executive - Screening

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 To ensure timely and accurate fraud alert decisioning to prevent and detect frauds, ensure adherence to regulatory compliance and deliver appropriate customer experience.

Role Accountability

• Fraud Prevention, Detection, Monitoring & Compliance: Analyze applications/transactions for patterns to unearth frauds & make decisions / judgements to approve/decline the applications or block / unblock cards
• Communicate with the applicant / customer to understand the patterns & make judgments to approve/decline the applications or block / unblock cards
• Report/Share Fraud Modus Operandi observed with the analytics team & management for early detection & prevention of frauds through appropriate rule coding
• Ensure adherence to regulatory compliance on KYC and transaction monitoring
• Fraud awareness to customers to safeguard them against potential fraud threats
• Action suspected fraud alerts while delivering the best levels of customer experience
• Process Excellence: Ensure application and transaction fraud alert decisioning for low/ medium risk cases
• Ensure adherence to process SOPs & customer contact policies

Measures of Success

• Productivity (No. of cases decisioned in a day) as per MOU
• Fraud Decisioning Accuracy
• Fraud Catch Rate
• False Positive Rate
• Fraud trends highlighted and process improvement opportunities suggested
• Process Adherence as per MOU

Technical Skills / Experience / Certifications Basic knowledge of Fraud Management, Application Sourcing and Transaction Processing systems and KPI Experience of documenting case facts

Competencies critical to the role Analytical Ability and Problem Solving Decisiveness Listening skills Process Orientation

Qualification Graduate in any discipline from a reputed and recognized institute / University

Preferred Industry Banking / Financial Services / E-Commerce / Fintech's / Telecom / Insurance

Experience Level Executive Level