Banking Operations Associate

3 hours ago

Gurugram Haryana, India NTT DATA Full time

"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: - Analyze conversations with applicants in real-time to assess potential fraud risk. - Document and approve requirements based on analysis of credit policies. - Credit Management: - Administer and control credit terms and limits. - Perform credit limit reviews, reinstatements, and account maintenance. - Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer's requirements and ability. - Customer Interaction: - Communicate directly with applicants, adhering to brand standards. - Liaise effectively with other areas impacting the Credit Department. - Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking. - Compliance and Reporting: - Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk. - Ensure high levels of accuracy in report maintenance and tracking. Qualifications and Requirements: - Educational Background: - Bachelor's degree in Finance, Business Administration, or a related field preferred. - Experience: - Previous experience reviewing and approving credit is an asset. - Minimum of 1-2 year of customer service experience. - Credit card experience required; credit and fraud experience is an asset. - Skills and Competencies: - Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. - Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. - Ability to communicate tactfully with various levels of business management in a professional manner. - Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. - Demonstrated ability to implement change efforts. - Highly motivated with the ability to work independently in a fast-paced team environment. - Knowledge of PCs and strong keyboarding skills. - Proficiency in MS Word, Excel, and Outlook is an asset. - TSYS/ADM system knowledge is an asset. - 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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