Analyst- Credit

JOB PURPOSE:

To enable the assessment and credit decisions relating to unsecured credit facilities such as credit cards and personal loans.

KEY ACCOUNTABILITIES:

Retail Credit Appraisals

• Ensure high and accurate prescreening of cards/loans applications and analyze credit proposals within the policy guidelines and acceptable timeframe as per agreed SLA.
• Ensure discrepancies/fraudulent applications are escalated to the line manager and internal fraud control unit.
• Conduct telephonic and/or field verification to check the authenticity of information and documentation provided by the applicant.
• Prepare detailed notes for recommendation and escalate to the next level for accurate decision-making.
• Coordinate with internal customers, business units, CAD, and collections to ensure adherence to guidelines and that all requests are attended to in a prompt and professional manner within the agreed timelines.

Policies & Procedures

• Ensure the preparation, maintenance, and recording of all documents and data relating to loans and credit facilities in the pre and post-approval stages in a systematic manner, adhering to requisite legal formalities and internal policies.

Self Management Responsibilities

• Define performance goals at the start of the year in discussion with the reporting manager and ensure that the goals are achieved during the course of the year.
• Identify training and development requirements for self and agree on them with the reporting manager to ensure that the required trainings are arranged and attended.
• Strive to achieve the highest levels of proficiency in all the competencies and skills required to perform the role.
• Keep abreast of professional developments, new techniques, and current issues through related training.

Qualifications:

Minimum Qualification

• Bachelor's degree in Business Administration, Management, Banking, or any related discipline.

Minimum Experience

• Minimum of 1 year of experience.

Remote Work: No

Employment Type: Full-time