Banking Operations Senior Associate

4 weeks ago

Gurugram India NTT Data Full time

Job Description

Position Overview:
As a Credit Analyst, you will be part of a team performing outbound calls and offline work, adjudicating credit, conducting thorough investigations on credit bureaus, and deciding on the customer's creditworthiness. Reporting to the Supervisor, Operations, this role offers a solid foundation for a career in Credit Card Operations.
Position Details:
. Position: Credit Analyst
. Status: Full Time - Work from Office
. Hours: Monday - Friday, 9:00am - 8:00pm IST
. Department: President's Choice Financial
. Rate of Pay: Competitive salary based on experience and qualifications
Key Responsibilities:
. Fraud and Credit Risk Review:
o Review new applications for fraud and credit risk, making outbound calls for fraud and employment verification.
o Analyze conversations with applicants in real-time to assess potential fraud risk.
o Document and approve requirements based on analysis of credit policies.
. Credit Management:
o Administer and control credit terms and limits.
o Perform credit limit reviews, reinstatements, and account maintenance.
o Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer's requirements and ability.
. Customer Interaction:
o Communicate directly with applicants, adhering to brand standards.
o Liaise effectively with other areas impacting the Credit Department.
o Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking.
. Compliance and Reporting:
o Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk.
o Ensure high levels of accuracy in report maintenance and tracking.
Qualifications and Requirements:
. Educational Background:
o Bachelor's degree in Finance, Business Administration, or a related field preferred.
. Experience:
o Previous experience reviewing and approving credit is an asset.
o Minimum of 2-3 year of customer service experience.
o Credit card experience required credit and fraud experience is an asset.
. Skills and Competencies:
o Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner.
o Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations.
o Ability to communicate tactfully with various levels of business management in a professional manner.
o Strong organizational and time management skills with the ability to prioritize and manage a heavy workload.
o Demonstrated ability to implement change efforts.
o Highly motivated with the ability to work independently in a fast-paced team environment.
o Knowledge of PCs and strong keyboarding skills.
o Proficiency in MS Word, Excel, and Outlook is an asset.
o TSYS/ADM system knowledge is an asset.
o Flexibility and willingness to work overtime as required.
Additional Information:
. This role requires rotational shifts, which may include evenings, weekends, and holidays.
. The position offers opportunities for professional growth and development within the Credit Card Operations department.

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