Executive - Pre-Decisioning

About the company

SBI Card is a major credit card issuer in India with a focus on pure-play card products. The organisation designs a broad range of cards to serve different customer needs and continues to evolve digital payment experiences so customers can pay smoothly and enjoy value-added rewards. Guided by the principle of “Make Life Simple”, the company places customer convenience at the centre of its work and aims to build an environment where people can grow and contribute to a better future.

The company follows an equal opportunity and inclusive hiring approach. It welcomes people regardless of race, colour, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste, or similar factors, and promotes a workplace where everyone is treated with dignity and respect.

What’s in it for you

• A strong work-life balance culture supported by wellness initiatives for both mental and physical wellbeing.
• Recognition and reward programmes for strong performance.
• A lively team environment built on inclusion and diversity.
• Gender-neutral policy.
• Comprehensive health coverage, including medical insurance, personal accident cover, group term life insurance, annual health check-up, dental benefits, and OPD benefits.
• A learning and development framework designed to support overall employee growth.

Role purpose

The position is responsible for handling applications from the PS2 process with careful attention to KYC compliance and income-related documentation.

Role accountability

• Review credit card applications thoroughly and accurately.
• Verify whether applications meet KYC requirements.
• Carry out credit checks against predefined policies and assess income calculations from the documents provided.
• Maintain required turnaround time while ensuring decision accuracy.
• Validate the documents submitted with each application.
• Maintain process records and follow compliance requirements.

Measures of success

• Processing and production accuracy in line with SLA expectations.
• Consistent adherence to turnaround time and decision accuracy requirements.
• Process compliance maintained as per MOU.

Technical skills and experience

• Working knowledge of credit cards and credit-related processes.
• Understanding of credit documentation and basic financial assessment.

Competencies

• Process orientation.
• Ability to collaborate effectively with a team.
• Strong analytical thinking.
• Good verbal and written communication skills.

Qualification

Graduate in any discipline.

Preferred industry

Financial services / FSI.