Associate – SBI VKYC, Support Job

Job Title: Associate – VKYC, Support
Company: SBI Card (State Bank of India ka credit card division)
Location: Gurugram, Haryana (Office job hai, work from home nahi)
Job Type: Full-time, Permanent
Experience Level: Entry-level, freshers bhi apply kar sakte hain
Industry: Banking aur Financial Services
Company Size: Leading credit card company India me

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Pehla Hisa: Company Kaun Hai? (SBI Card Ke Baare Me)

SBI Card India ki top credit card company hai. Ye State Bank of India (government bank) ka part hai. Company ka motto hai “Make Life Simple” – matlab customer ki life simple banani hai. Ye log different types ke credit cards offer karte hain – shopping ke liye, travel ke liye, fuel ke liye, aur bhi bahut kuch.

Company Ka Scale:

• Pure-play credit card issuer hai (matlab sirf credit cards ka business karte hain)
• India me leading position hai
• Digital payments ka future shape kar rahe hain
• Wide range of credit cards available hain

Company Culture:

• Equal opportunity employer hai (matlab caste, religion, gender ke basis par discrimination nahi karte)
• Inclusive workplace hai (sabko equal respect milta hai)
• Diverse team culture hai
• Work-life balance par focus karte hain
• Employee wellness programs hain

Office Location: Gurugram me hai. Gurugram Delhi NCR me aata hai, corporate hub hai. Office likely Sector 32, Cyber City, ya Udyog Vihar me hoga.

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Dusra Hisa: Ye Job Aakhir Hai Kya? (Role Ki Basic Samajh)

VKYC Ka Matlab:
VKYC ka matlab hai “Video Know Your Customer”. Jab koi customer new credit card le raha hota hai, toh bank ko verify karna hota hai ki customer real hai, genuine hai. Pehle time me customer bank jaata tha ya agent ghar aata tha verification ke liye. Ab VKYC se video call par verification hoti hai.

Tumhara Kaam:
Tumhe video calls par customers se baat karni hogi aur unki verification karni hogi. Tum check karoge ki:

1. Customer khud hai jo application daala hai
2. Documents original hain
3. Information sahi hai
4. Koi fraud nahi hai

Example:
Maano Rajesh ne online SBI credit card apply kiya. Ab Rajesh ko tum video call karoge. Tum dekho ge ki:

• Rajesh ka face match ho raha hai photo se?
• Aadhaar card original hai?
• Signature sahi hai?
• Address verification ho rahi hai?

Ye sab verify karke tum decision doge – application approve karni hai ya reject karni hai.

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Teesra Hisa: Daily Responsibilities (Roz Kya Karna Hoga)

1. Video KYC Calls Handle Karna:

• Customers ko video calls karna
• Live verification karna
• Documents check karna (Aadhaar, PAN, address proof)
• Face matching karna
• Questions puchna verification ke liye

2. Case Processing:

• Allocated cases ko time par complete karna
• Accurate decision dena
• System me updates karna
• Files maintain karna

3. Policy Adherence:

• Company policies follow karna
• Regulatory guidelines follow karna (RBI ke rules)
• SOPs (Standard Operating Procedures) follow karna
• No shortcuts, proper process follow karna

4. Coordination:

• Sales team ke saath coordinate karna
• Customer concerns handle karna
• Internal teams ke saath kaam karna
• Escalations handle karna

5. Quality Control:

• Accuracy maintain karna
• Errors minimize karna
• Quality checks karna
• Feedback implement karna

6. Process Improvement:

• Process me improvements suggest karna
• Automation opportunities identify karna
• Problems highlight karna
• Solutions suggest karna

7. Customer Service:

• Customer queries solve karna
• Emails reply karna
• Complaints handle karna
• Professional behavior maintain karna

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Chautha Hisa: Eligibility Criteria (Kon Apply Kar Sakta Hai?)

1. Education:

• Graduate hona chahiye (kisi bhi stream se)
• Bachelor’s degree (BA, BCom, BSc, BBA, etc.)
• Percentage requirement nahi hai likely
• Recent graduates (2023, 2024 passouts) bhi apply kar sakte hain

2. Technical Skills:

• Excel ka basic knowledge (must hai)
• Computer operating aana chahiye
• Video calling software use karna aana chahiye
• Typing skills achi honi chahiye

3. Domain Knowledge:

• Basic KYC knowledge helpful hai
• Banking/Financial services ka idea helpful hai
• Regulatory compliance ka basic understanding

4. Soft Skills:

• Verbal communication achi honi chahiye (video calls ke liye)
• Written communication achi honi chahiye (emails ke liye)
• Attention to detail (chhoti chhoti cheeze notice karna)
• Analytical ability (cases analyze karna)
• Process orientation (rules follow karna)

5. Personal Qualities:

• Professional attitude
• Customer-friendly approach
• Ethical mindset (fraud detection important hai)
• Team player
• Learning attitude

6. Preferred Background:

• FSI (Financial Services Industry) experience helpful hai
• Banking background beneficial hai
• But freshers ke liye bhi open hai

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Panchvan Hisa: Salary aur Benefits Package

Salary Structure:

• Company ne exact figure nahi bataya
• Associate role hai entry level
• Expected range: ₹3-4.5 Lakhs per annum
• Gurugram location ke hisaab se competitive hoga

Benefits Package (What’s in it for YOU):

1. Health Benefits:

• Medical Insurance (health insurance)
• Personal Accidental Insurance
• Group Term Life Insurance
• Annual Health Checkup
• Dental Benefits
• OPD Benefits (Outpatient Department)

2. Work-Life Balance:

• Robust wellness program
• Mental health support
• Physical health programs
• Work-life balance philosophy

3. Rewards & Recognition:

• Performance based rewards
• Recognition programs
• Appreciation systems
• Incentives possible

4. Learning & Development:

• Comprehensive training programs
• Skill development opportunities
• Career growth framework
• Continuous learning

5. Workplace Culture:

• Dynamic work environment
• Inclusive team culture
• Diverse workforce
• Gender neutral policies
• Equal opportunity workplace

6. Other Benefits:

• Provident Fund (PF)
• Gratuity
• Leave policy
• Festival holidays
• Transport facility (possible)
• Canteen facility (possible)

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Chhatha Hisa: Performance Measurement (Measures of Success)

Key Performance Indicators (KPIs):

1. Productivity %:

• Kitne cases complete kiye time par
• Daily/weekly/monthly targets
• Efficiency metrics

2. Accuracy %:

• Kitne cases sahi process kiye
• Errors ka percentage
• Quality scores

3. TAT (Turn Around Time):

• Kitna time laga case complete karne me
• Ageing inventory manage karna
• Timely processing

4. Process Improvements:

• Kitne improvement suggestions diye
• Automation opportunities identified
• Process gaps highlighted

5. Customer Satisfaction:

• Customer complaints ka number
• Feedback scores
• Escalations ka volume

6. Compliance Adherence:

• Policy violations ka number
• Regulatory compliance
• Audit results

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Saatvan Hisa: Career Growth aur Future Prospects

Within SBI Card:

1. Short-term (1-2 years): Associate → Senior Associate → Team Lead
2. Mid-term (2-4 years): Assistant Manager → Deputy Manager
3. Long-term (4+ years): Manager → Senior Manager → Department Head

Skill Development:

• KYC/AML expertise
• Customer relationship management
• Process optimization
• Team management
• Banking operations
• Compliance knowledge

Industry Value:

• SBI Card ka naam resume me acha dikhega
• Banking industry me solid foundation
• Financial services me career growth
• Future me other banks me opportunities

Higher Education Support:

• Company sponsored certifications possible
• Banking courses support
• Professional development programs

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Aathvan Hisa: Work Environment aur Office Culture

Office Location: Gurugram

• Corporate area hai
• Good connectivity (metro, buses)
• Nearby facilities available
• Safe environment

Work Timings:

• Likely 9 AM – 6 PM type shifts
• Monday to Friday (5 days working)
• Possible rotational shifts
• Overtime possible during peak seasons

Team Structure:

• Team me multiple associates honge
• Team Lead supervise karega
• Manager overall department dekhega
• Training period ke baad independent work

Dress Code:

• Formal wear likely
• Business casual possible
• Company guidelines follow karne honge

Work Pressure:

• Targets honge
• Quality pressure hoga
• Customer interactions challenging ho sakte hain
• But support system hoga

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Navvan Hisa: Interview Process aur Selection

Expected Interview Rounds:

Round 1: Initial Screening

• HR telephonic round
• Basic eligibility check
• Salary expectations discussion
• Role understanding

Round 2: Technical/Functional Round

• KYC process questions
• Scenario based questions
• Problem solving cases
• Banking knowledge check

Round 3: HR Interview

• Cultural fit assessment
• Behavioral questions
• Career aspirations
• Final discussion

Round 4: Documentation

• Education verification
• Background check
• Offer letter discussion
• Joining formalities

Interview Preparation Tips:

1. KYC Basics: KYC process, documents, RBI guidelines padhein
2. Banking Knowledge: Basic banking terms, credit card knowledge
3. Communication Skills: Video call practice karein
4. Excel Skills: Basic formulas, data entry practice
5. Company Research: SBI Card products, company culture

Common Interview Questions:

1. “What do you know about VKYC process?”
2. “How would you handle a customer refusing video verification?”
3. “What documents are required for KYC?”
4. “Why do you want to work in banking sector?”
5. “How do you ensure accuracy in repetitive work?”

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Dasvan Hisa: Challenges aur How to Overcome

Challenge 1: Difficult Customers

• Solution: Patience, professional tone, clear communication

Challenge 2: Fraud Detection

• Solution: Training, attention to detail, verification processes

Challenge 3: Work Monotony

• Solution: Process improvement suggestions, skill development

Challenge 4: Regulatory Changes

• Solution: Continuous learning, policy updates attention

Challenge 5: Targets Pressure

• Solution: Time management, priority setting, team support

Challenge 6: Technical Issues

• Solution: IT support coordination, backup plans

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Table Chart: Job Overview

Category	Details
Job Title	Associate – VKYC, Support
Company	SBI Card (State Bank of India Subsidiary)
Location	Gurugram, Haryana (Office Based)
Job Type	Full-time, Permanent
Experience Required	0-3 Years (Freshers can apply)
Education Required	Graduate in Any Discipline
Expected Salary	₹3-4.5 Lakhs per annum (Approximate)
Key Skills Required	Excel, Communication, Attention to Detail, KYC Knowledge
Industry	Financial Services (Banking)
Department	Operations, Customer Support
Work Shift	Likely Day Shift (9-6 type)
Working Days	5 Days (Monday to Friday likely)
Technical Requirements	Excel Knowledge, Computer Skills
Communication Languages	Hindi and English
Career Growth	Associate → Senior Associate → Team Lead → Manager
Training Provided	Yes (Comprehensive training program)
Probation Period	6 Months typical for banking jobs
Benefits Package	Health Insurance, Life Insurance, Wellness Programs, Learning & Development
Interview Rounds	3-4 Rounds (HR, Technical, Final)
Application Method	Company Website/Job Portals
Preferred Background	Financial Services Industry (Not mandatory)

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F&Q (Frequently Asked Questions)

Q1: Kya freshers apply kar sakte hain?
A: Haan! Company ne clearly mention kiya hai “Graduate in any discipline”. Freshers bhi apply kar sakte hain.

Q2: Salary kitni hogi?
A: Exact figure nahi batayi, lekin Associate role ke liye typically ₹3-4.5 LPA range me hota hai banking sector me.

Q3: Kya work from home option hai?
A: Nahi, yeh office job hai Gurugram me. VKYC video calls ke liye secure office environment chahiye hota hai.

Q4: Excel me kitna knowledge chahiye?
A: Basic knowledge chahiye – data entry, filtering, basic formulas. Advanced Excel nahi chahiye.

Q5: Kya banking knowledge zaroori hai?
A: Helpful hai, lekin mandatory nahi hai. Training me sikhaya jaayega.

Q6: Interview process kya hoga?
A: Likely 3-4 rounds: HR screening, technical round, HR final round. Possible written test.

Q7: Shift timing kya hogi?
A: Likely day shift (9 AM – 6 PM type). Banking hours follow honge.

Q8: Kya weekend working hai?
A: Nahi likely. Monday to Friday working days honge. Banking sector me generally Saturday-Sunday off hota hai.

Q9: Dress code kya hai?
A: Formal wear likely. Banking sector me formal dress code hota hai.

Q10: Training kitni der ki hogi?
A: 1-3 months ki comprehensive training hogi. Paid training hoga.

Q11: Growth opportunities kya hain?
A: Bahut ache hain. SBI Card me promotions aur department changes ke opportunities hain.

Q12: Kya relocation assistance milegi?
A: Typically entry-level roles me relocation assistance nahi milti. Tumhe khud Gurugram shift hona hoga.

Q13: Age limit hai kya?
A: Minimum 21 years honi chahiye. Maximum typically 28-30 years for freshers.

Q14: Background verification hoga?
A: Haan, banking job hai toh strict background verification hoga – education, address, criminal record.

Q15: Kya bond hai?
A: Nahi likely. Permanent job hai, lekin training cost ke liye service bond ho sakta hai.

Q16: Probation period kitna hoga?
A: Typically 6 months ka probation period hota hai banking jobs me.

Q17: Kya banking sector me future hai?
A: Haan, banking sector stable hai. Credit card industry grow kar rahi hai India me.

Q18: Kya customer calls bahut aayenge?
A: Haan, VKYC ke liye video calls karni hongi. Customer interaction regular part hai job ka.

Q19: Work pressure kitna hoga?
A: Targets honge, quality standards honge. But training aur support milega.

Q20: Kya yeh sales job hai?
A: Nahi, yeh operations/support job hai. Sales nahi karni hogi. Verification ka kaam hai.

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Banking Sector Me Career Benefits

Stability:

• Banking jobs stable hote hain
• Regular salary increments
• Job security
• Industry reputation

Learning:

• Regulatory knowledge
• Compliance understanding
• Customer service skills
• Process management

Networking:

• Banking professionals ke saath work
• Industry connections
• Professional network building

Future Opportunities:

• Other banks me jobs
• Financial services companies
• Fintech startups
• Consulting firms

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Final Advice

Agar tumhare paas:

• Graduation complete ki hai
• Basic Excel aata hai
• Communication skills achi hain
• Attention to detail hai
• Banking sector me interest hai
• Gurugram shift ho sakte ho
• Formal job ke liye ready ho

Toh yeh job tumhare liye perfect hai.

Positive Points:

• SBI Card ka naam (reputed company)
• Banking sector career start
• Good benefits package
• Learning opportunities
• Career growth path
• Stable industry

Negative Points:

• Office job (WFH nahi)
• Gurugram relocation needed
• Formal environment
• Process-oriented work
• Targets pressure

Application Tips:

1. Resume me communication skills highlight karein
2. Excel knowledge mention karein
3. Banking interest show karein
4. Professional resume banayein
5. Interview me confident rahein

Preparation:

1. KYC process research karein
2. SBI Card products padhein
3. Excel practice karein
4. Mock interviews practice karein
5. Banking terminology seekhein

Warning: Genuine job hai SBI Card ki. Koi bhi agent tumse paise mat lene de placement ke liye.

All the best! Ye banking career ka bahut acha start hai. SBI Card ka experience future me bahut kaam aayega.

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