Credit Card Senior Associate

Responsibilities:

• Review and assess individual credit applications (for all types of retail banking products) and evaluate customers creditworthiness.
• Review credit card issuance applications and ensure that all required documentation is complete and compliant.
• Verify the accuracy and validity of information provided in applications including identity details address income and source of funds.
• Analyze credit bureau reports / credit history by assessing previous indebtedness repayment behavior and reflecting this analysis in the credit evaluation.
• Assess customers repayment capacity by analyzing financial data (such as income debt-to-income ratio and other relevant financial indicators) to determine their ability to meet payment obligations.
• Evaluate the level of credit risk based on the customers financial behavior including previous loans payment delays and outstanding or unpaid debts.
• Determine the appropriate credit limit for customers based on eligibility and repayment capacity analyses in accordance with product terms and bank credit policies.
• Coordinate and collaborate with other departments to ensure the smooth completion of unit operations.
• Provide recommendations for approval or rejection based on a thorough analysis of applications.
• Prepare periodic reports on credit card applications including the number of approved and rejected applications along with analysis of rejection reasons.
• Propose recommendations to enhance the efficiency and accuracy of credit card application assessment processes.
• Respond to branch inquiries regarding reasons for application rejections or guidance on improving the likelihood of future approval.

Qualifications :

Bachelors in Financial & Banking Sciences or Accounting or a relevant field 

13 years of relevant experience required

Additional Information :

Remote Work :

No

Employment Type :

Full-time