Senior Associate- Retail Credit Process

3 days ago

Bengaluru, Karnataka, India Mashreq Full time ₹ 1,20,000 - ₹ 1,80,000 per year

Job Purpose

  • Conduct process, procedure and policy review of Credit Initiation & Compliance Unit covering all RBG Credit products for Mashreq with a view to ensure existing stipulated standards are being adhered to and that these adequately address all underlying operational, credit structural and customer impact risks. (1) Validation of critical errors, process errors and document errors. (2) Perform regular process quality checks as per frequency & sampling strategy & provide feedback to reduce errors. (3) Ensuring actionable on critical errors.
  • Recommend and ensure implementation of corrective action plans to continuously improve.
  • Timely maintenance of daily MIs while ensuring data accuracy and integrity.

Key result Areas

  • Review of credit processes and adherence to policy.
  • Ensure process reviews are conducted at agreed frequency as per calendar to ensure 'Satisfactory' audit rating.
  • Establish cordial working relationships with relevant internal customers to understand roles and develop mutual understanding in order to facilitate communication and their acceptance on the review findings.
  • Adherence to operational risk key indicators.
  • Adherence to established SLAs for critical processes where there is Unit dependency.
  • Perform independent data analysis to identify instances of application fraud.
  • Timely action on confirmed fraud cases such as negative listing, card blocking and MIS updation.
  • Perform UAT testing for any system-related changes pertaining to Vigilance activities.

Knowledge, Skills and Experience

  • At least 2 to 3 years in any Retail Credit discipline.
  • Comprehensive knowledge of all Host systems & other operating systems in the bank.
  • Intermediate working knowledge of Microsoft Office applications such as Excel, Word and Powerpoint.
  • Good verbal / written business skills.

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