Banking Operations Senior Associate

7 days ago

Gurgaon, Haryana, India NTT DATA North America Full time ₹ 4,00,000 - ₹ 12,00,000 per year

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, 7:00am – 7:00pm EST
  • Department: President's Choice Financial
  • Rate of Pay: Competitive salary based on experience and qualifications

Key Responsibilities:

  • Fraud and Credit Risk Review:
  • Review new applications for fraud and credit risk, making outbound calls for fraud and em+D120ployment verification.
  • 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 2-3 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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