Banking Operations Associate

Gurgaon, Haryana
Permanent
Full-time

30 days ago

"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 1-2 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.

NTT Data

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