Senior Associate – Retail Credit Initiation, Control

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

📋 Description

• Evaluate and process retail lending credit applications and proposals, including Badr Products, for approval or escalation within designated turnaround times (TAT).

• Assist in the implementation of front-end credit process automation across lending products to enhance customer experience and productivity.

• Regulate approvals in accordance with Credit Policy and Product parameters.

• Ensure the consistent application of credit policies, delivering quality underwriting decisions, and maintaining quality collateral documentation.

• Conduct supervisory credit reviews for RBG Products as required, adhering to standard operating procedures and Product Program Guidelines.

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

• Facilitate the training and development of new team members.

• Review eligibility criteria, bank statements, historical data in Flexcube and Prime, and other systems using IRIS/MWS.

• Assess team productivity and propose enhancements.

• Undertake initiatives aimed at boosting unit productivity and improving retail lending products and credit policy.

• Engage in training, testing, process improvement initiatives, and system modifications.

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

• Communicate any deficiencies and policy violations to the Team Leader/Assistant Manager.

• Classify cases as declined, rejected, or requiring deviation approval when checks do not meet requirements.

• Achieve daily productivity goals and adhere to committed turnaround times.

• Detect document anomalies and report them to the Fraud Prevention Unit.

• Recommend modifications to Credit Policy, Product Manuals, operational procedures, and risk controls.

• Collaborate with internal staff, Assistant Managers, onshore managers, Credit Investigators, Compliance, Sales, Branch staff, and other stakeholders.

• Approve cases within authorized approval limits and escalate cases that exceed eligibility criteria or credit score to Credit Supervisors.

• Review quality reports and implement corrective action plans.

• Ensure adherence to procedures and deliver error-free case processing.

⛳️ Requirements

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

• Strong analytical capabilities.

• Excellent interpersonal skills.

• Proficient in MS Office tools for reporting purposes.

• Good computer skills.

• Ability to solve problems and work independently.

• Customer-oriented and goal-driven.

• Strict compliance with approved delegated authorities, credit policy, product parameters, procedures, and operational guidelines.

• Capacity to thrive in a high-pressure, credit-automation-driven environment.

🏝️ Benefits

• Comprehensive health and wellness programs.

• Opportunities for professional development and training.

• Competitive salary and performance-based incentives.

• Dynamic work environment with a focus on teamwork.