Senior Associate – Retail Credit Initiation, Control

🔥 20 minutes ago

🇵🇰 Pakistan – Remote

⏰ Full Time

🟠 Senior

✨ Associate

👻 Ghost score 10%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Mashreq

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1967

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

Mashreq is a leading financial institution based in the UAE, offering a wide range of banking services including personal, corporate, and investment banking. The bank focuses on providing innovative financial solutions to its customers and has a strong digital banking presence.

📋 Description

• Analyze and process retail lending credit proposals and applications, including Badr Products, for approval or escalation within stipulated TAT. • Support implementation of front-end credit process automation across lending products to improve customer experience and productivity. • Regulate approvals within Credit Policy and Product parameters. • Ensure consistent application of credit policy, quality underwriting decisions, and quality of collateral documentation. • Perform supervisory credit reviews for RBG Products as required, following standard operating procedures and Product Program Guidelines. • Provide reliable backup in the absence of the Team Leader/Assistant Manager. • Support development and training of new team staff. • Review eligibility, bank statements, past data in Flexcube and Prime, and other systems through IRIS/MWS. • Evaluate team productivity and suggest improvements. • Undertake projects to increase unit productivity and enhance retail lending products and credit policy. • Participate in training, testing, process improvement initiatives, and system changes. • Identify exceptions involving eligibility, pricing, CPV, system information capture, and collateral compliance. • Communicate deficiencies and policy violations to the Team Leader/Assistant Manager. • Categorize cases as declined, rejected, or for deviation approval when checks fail. • Meet daily productivity targets and committed turnaround times. • Identify document anomalies and highlight them to the Fraud Prevention Unit. • Identify and recommend changes to Credit Policy, Product Manuals, operational procedures, and risk controls. • Liaise with internal staff, Assistant Managers, onshore managers, Credit Investigators, Compliance, Sales, Branch staff, and other stakeholders. • Approve cases within delegated approval authorities and escalate cases beyond eligibility criteria or credit score to Credit Supervisors. • Review quality reports and corrective action plans. • Ensure compliance with procedures and error-free case processing.

🎯 Requirements

• Graduate with > 3 years work experience in Credit Management environment. • Excellent analytical skills. • Sound interpersonal skills. • Sound knowledge in MS Office tools for report purposes. • Good PC skills. • Ability to problem solve and work independently. • Customer-focused and achievement-oriented. • Strict adherence to approved delegated authorities, credit policy, product parameters, procedures, and operational guidelines. • Ability to work in a high-pressure, credit-automation-driven environment.