Pre-Decisioning Executive

SBI Payment Services Pvt. Ltd.; Gurugram District; On-site; INR 500,000 - 900,000; Full time

Benefits offered by this job

Wellness program

Rewards & recognition

Diverse team culture

Gender neutral policy

Health benefits (medical, accidental,

Job summary

SBI Card is seeking an Executive - Pre-Decisioning to process credit card applications with careful attention to KYC norms and income documents, ensuring compliance and accuracy.

Key duties include scrutinizing applications, verifying documents, performing credit checks per policy, and ensuring timely decision-making while upholding SLA/TAT. You will work in a structured environment emphasizing process discipline and data integrity.

Qualifications

• Graduate in any discipline with a basic understanding of credit processes.
• Knowledge of credit documentation and financial basics.
• Experience with KYC norms and income document checks.

Responsibilities

• Scrutinize credit card applications.
• Check applications against KYC norms.
• Conduct credit checks per policy and income calculations.
• Ensure adherence to SLA/TAT and accuracy for decision-making.
• Verify document validity attached to applications.
• Maintain process documentation and compliance.

Skills

Credit card knowledge

Credit documentation

Analytical ability

Education

Graduate in any discipline

Job description

Executive - Pre-Decisioning 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.

Join us to shape the future of digital payment in India and unlock your full potential.

What’s in it for YOU

• robust wellness and wellbeing program to support mental and physical health of our employees
• 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

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.

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

Experience Level

Executive Level