Team Leader – Retail Credit Initiation & Control, CRM, Credit Management

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

📋 Description

• Oversee the complete offshore onboarding process for retail products.

• Direct and manage the processing of Personal Loans and Cards applications, including underwriting, CPV, and disbursal, while adhering to service standards.

• Evaluate cases to ensure compliance with product parameters and policy criteria.

• Ensure applications fulfill agreed SLA, turnaround time, and accuracy standards.

• Monitor and report monthly exceptions, following established escalation procedures.

• Maintain high quality throughout the end-to-end retail product onboarding process.

• Uphold necessary controls, risk factors, procedures, and operational standards.

• Oversee team performance, discipline, productivity, and resource utilization.

• Analyze daily rejects and referrals, enhancing outcomes through training and ongoing learning.

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

• Initiate projects focused on quality, productivity, and workflow enhancements.

• Escalate unique and extraordinary occurrences, reporting on corrective and preventive measures.

• Ensure positive outcomes for internal and group audits.

• Represent the CIC unit in discussions with Risk Management, area managers, overseas branches, and business stakeholders.

• Balance customer expectations and service experiences with operational controls.

• Resolve complex operational, service, and control issues while comparing turnaround times against international best practices.

⛳️ Requirements

• High level of maturity coupled with excellent communication skills.

• Strong managerial and interpersonal abilities, with a talent for supervising teams.

• Solid understanding of credit policies and systems.

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

• Ability to perform under pressure with tight deadlines.

• Graduate with over 5 years of experience in a retail products onboarding environment.

• Strong analytical capabilities.

• Should have held a comparable role for a minimum of 2–3 years.

• Demonstrated leadership, commitment to results, customer focus, interpersonal skills, adaptability, and innovation at Level 3.

🏝️ Benefits

• Opportunity for professional growth within a dynamic environment.

• Competitive salary and performance-based incentives.

• Comprehensive health and wellness benefits.

• Supportive team culture fostering collaboration and innovation.