Assistant Vice President - Zonal Collections

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.

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

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

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

Portfolio Coverage

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

Extraction rate

CAPE management

ROR

Absolute recovery/ACM

Regulatory Customer complaint %

Process adherence as per MOU

Analytical Ability

Stakeholder Management

Problem Solving

Result Orientation

Process Orientation

FSI