Assistant Manager – Retail Credit Initiation, Control

This is a fully remote position, open to applicants in Pakistan.

📋 Description

• Oversee the entire onboarding process of retail products for direct offshore operations.

• Manage and supervise the end-to-end processing of Personal Loans and Cards applications, which includes underwriting, CPV, and disbursal processes.

• Examine cases to verify compliance with product parameters and policy criteria.

• Ensure applications adhere to SLA, established turnaround times, and accuracy standards.

• Monitor and report monthly exceptions to relevant stakeholders while adhering to escalation procedures.

• Uphold high-quality standards throughout the entire onboarding process.

• Ensure that necessary controls, risk factors, and procedures are consistently maintained.

• Foster positive working relationships across various sections, divisions, and both onshore and offshore teams.

• Manage Management Information Systems (MIS) and provide weekly/monthly reports to key business stakeholders.

• Track daily SLA performance, conduct reviews, perform spot checks, and maintain team discipline.

• Lead and develop the team, enhance processes and productivity, and cultivate leadership skills.

• Analyze daily rejects/referrals and improve outcomes through training and continuous development.

• Mitigate risks through exception reporting and application reviews.

• Collaborate with unit managers, business partners, and Risk teams for effective capacity planning.

• Encourage staff involvement and contributions towards enhancing service quality.

• Initiate and monitor projects aimed at improving quality and productivity/workflow.

• Escalate exceptional situations and report on corrective and preventive actions taken.

• Achieve satisfactory results in group and internal audits.

• Act as the representative for the CIC unit in communications with Risk Management, area managers, overseas branches, and RBG business stakeholders.

• Engage in process and product enhancements while driving initiatives forward.

• Resolve complex operational, service, and control challenges.

• Make decisions regarding irregular operational cases and effectively allocate/prioritize work and resources.

⛳️ Requirements

• High level of maturity coupled with strong communication skills.

• Solid managerial and interpersonal abilities with experience in supervising teams.

• Comprehensive knowledge of credit policies and a solid understanding of relevant systems.

• Extensive knowledge of procedures related to cards data entry and CPV processes.

• Ability to perform effectively under pressure with tight deadlines.

• Bachelor's degree with a minimum of 5 years of experience in a retail products onboarding setting.

• Strong analytical skills.

• Experience in a similar role for at least 2-3 years is required.

• Demonstrated leadership qualities, commitment to results, customer-centric approach, strong interpersonal relationships, adaptability, and a level of innovation at Level 3.

🏝️ Benefits

• Comprehensive benefits package.

• Opportunities for professional development and career advancement.

• Supportive work environment fostering collaboration and teamwork.