Position Name
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Analyst – Decision Maker 2 & Team Lead
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Qualification
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- Commerce Graduates / Post Graduates / MBA’s
(Minimum of 70% in X, XII and 60% in Graduation, Passed-out on/after 2009 / Score relaxation can be considered for up to 10% if they have credit card underwriting experience)
- 5+ years of experience in retail credit / loans underwriting or credit decisioning (or) 3+ years of experience in credit card underwriting
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Shift Details
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- Should be open to shifts operating between 6.00am till 11.30 pm
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Role Summary (Summarize the purpose of the position)
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- To analyze and make decisions on retail credit proposals, review pre-analysis, conduct de dupe checks, complete customer point verification (CPV), CDMS, compliance and collection inputs and evaluate field visit and Etihad Credit Bureau reports for assigning credit card limits and loan eligibility in line with the ADCB credit policy and procedures and within the agreed turnaround time
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Domain Competencies
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- Good analytical skills
- Logical reasoning
- Good knowledge in Accounting
- Knowledge in lending and credit industry is mandatory
- Good attention to details
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Behavioral Competencies
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- Well organized
- Ability and willingness to learn
- Adjust to changes in workloads and assignments
- Good verbal and written communication skills
- Team player
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Role and Responsibilities
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- Managed a team of 10+ employees
- Responsible for daily / weekly / monthly MOS
- Play a significant role in Attrition Management
- Drive Operations Excellence, Process Improvements and utilizations
- Processing - Maintain the agreed daily minimum output as per the production plan, complete applications and processing activities as per the agreed TAT and standards
- Quality - Achieve the agreed error and rework rates whilst maintaining quality to deliver the required results as per the agreed standards
- System Update - Use the Active Operation Management (AOM) tools, update internal trackers for inconvenience and errors reporting in line with the agreed standards
- Policies, Processes, Systems and Procedures - Adhere to all relevant organizational and departmental policies, processes, standard operating procedures and instructions so that work is carried out to the required standard and in a consistent manner while delivering the required standard of service to customers and stakeholders
- Customer Service - Demonstrate Our Promise and apply the ADCB Service Standards to deliver the bank’s required levels of service in all internal and external customer interactions
- Self-Management - Manage self in line with the bank’s people management policies, procedures, processes and practices to ensure adherence and to maximize own contribution to business performance
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