Lead – Credit Evaluator

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

📋 Description

• Assess and process credit proposals and applications for Mashreq Bank’s retail lending and Islamic products for either approval or escalation within the designated turnaround time (TAT).

• Facilitate the seamless execution of front-end automation in the credit process across various lending products.

• Adhere to Credit Policy and Product parameters while regulating approvals.

• Ensure the consistent application of credit policies, deliver high-quality underwriting decisions, and maintain proper collateral documentation.

• Conduct supervisory credit reviews for mortgage products in alignment with standard operating procedures and Product Program Guidelines.

• Provide dependable backup support in the absence of the Team Leader or Assistant Manager.

• Assist in the development and training of new team members.

• Analyze eligibility, bank statements, historical data, Flexcube, Prime, and other relevant systems through RCMS.

• Assess and recommend enhancements to team productivity.

• Engage in projects aimed at boosting unit productivity and refining retail lending products and credit policies.

• Participate in training, process enhancement initiatives, and system modifications.

• Identify exceptions related to eligibility, pricing, CPV, system information capture, and collateral compliance.

• Report deficiencies and policy breaches to the Team Leader or Assistant Manager.

• Classify cases as Declined, Rejected, or for Deviation Approval when checks do not pass.

• Achieve daily productivity targets and adhere to agreed turnaround times.

• Implement first-line controls to ensure the booking of quality applications and flag document discrepancies to the Fraud Prevention Unit.

• Take part in quality-unit training and assessments.

• Detect anomalies and propose modifications to Credit Policy, Product Manual, operational procedures, and risk controls.

⛳️ Requirements

• Bachelor’s degree with more than 3 years of experience in a Credit Management environment.

• Strong analytical abilities.

• Excellent interpersonal skills.

• Proficient knowledge of MS Office tools for reporting purposes.

• Good computer skills.

• Ability to troubleshoot and work autonomously.

• Customer-centric and results-oriented.

• Willingness to work under pressure.

🏝️ Benefits

• Competitive salary package.

• Opportunities for professional growth and development.

• Supportive work environment.