Manager - Credit Modelling

SBI Cards and Payment Services Private Ltd.; Gurugram District; On-site; INR 1,800,000 - 3,200,000; Full time

Benefits offered by this job

Wellness program

Rewards and recognition program

Health benefits

Job summary

SBI Cards and Payment Services Private Ltd. is seeking a skilled professional to develop and maintain collection scorecards, delinquency segments, and transaction-level authorization strategies. The role involves deploying credit and fraud decision engines and supporting cross-sell qualifications.

Ideal candidates will have strong experience in big data analytics, machine learning models, and a track record of implementing robust scoring systems in the financial services sector.

Qualifications

• Good knowledge of Big Data,R/Python/SaS/Hadoop.

Responsibilities

• Develop customized collection scorecards for each assigned delinquency stage.
• Develop self-cure models for customized collection interventions & cost control.
• Develop transaction-level scorecards as input to the authorization strategy and cross-sell qualification.
• Develop propensity models for offering hardship programs.
• Develop customized acquisition scorecards for assigned segments.
• Develop customized behavior scorecards for each assigned segment.
• Maintain inventory of assigned models.
• Automate & ensure model deployment either in credit & fraud decision engines or turbine/data lake.

Skills

Big Data

Python

R

SAS

Hadoop

Education

Master’s degree in related field

Job description

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
• 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 a comprehensive learning & development framework

Role Purpose

To develop and maintain collection scorecards, segments for portfolio intervention, and transaction-level authorization strategies and oversee implementation of credit & fraud decision engine deployment for the organization.

Role Accountability

• Develop customized collection scorecards for each assigned delinquency stage
• Develop self-cure models for customized collection interventions & cost control
• Develop transaction-level scorecards as input to the authorization strategy and cross-sell qualification
• Develop propensity models for offering hardship programs
• Develop customized acquisition scorecards for assigned segments.
• Develop customized behavior scorecards for each assigned segment.
• Maintain inventory of assigned models
• Automate & ensure model deployment either in credit & fraud decision engines or turbine/data lake

Measures of Success

• Ensure the timely development of the models as per plan
• Model efficacy in terms of consistency & reliability
• PSI - Model stability metric
• Out of time validation
• Process Adherence as per MOU

Technical Skills / Experience / Certifications

Good knowledge of Big Data/R/Python/SaS/Hadoop

Competencies critical to the role

Analytical ability and problem solving

Qualification

Master’s degree in related field

Preferred Industry

FSI / Any

Job Info

• Job Identification 20686
• Posting Date 07/27/2026, 08:17 AM
• Apply Before 08/28/2026, 06:30 PM
• Locations DLF Cyber City, Tower C, Block 2, Building 3, Gurugram, Haryana, 122002, IN