[Hiring] Assistant Manager - Retail Credit Initiation and Control @Mashreq

Role Description

To manage direct offshore – comprising the e2e onboarding process of retail products.

• To direct and control Personal Loans and Cards application processing end to end including underwriting, CPV and Disbursal processes by ensuring that the agreed service standards are met.
• To review the cases to ensure that all product Parameters and policy criteria are met.
• Ensure Personal Loans and Cards applications processing are checked and to meet the SLA as per agreed TAT and accuracy.
• To ensure monthly exception tracking and reporting to relevant stakeholders with adherence to escalation process.
• To ensure that the highest possible quality is maintained in e2e onboarding process of retail products by the individuals within the team.
• To ensure that all required controls, risk factors and procedures are maintained.
• To maintain a positive working relationship with personnel of the other sections/divisions/onshore/offshore teams.
• MIS management and weekly/monthly reporting to key business stakeholders.

Qualifications

• Graduate with 5+ years’ work experience in Retail products onboarding environment.
• Must have handled a similar role for at least 2-3 years.
• High level of maturity and good communication skills.
• Good managerial and interpersonal skills with an ability to supervise teams.
• Sound knowledge of credit policies and understanding of systems.
• In-depth knowledge of procedures pertaining to cards data entry/CPV processes.
• Good analytical skills.
• Ability to work under pressure with short/challenging deadlines.

Requirements

• Ensure daily SLA achieved by a combination of monitoring and reviewing performance, spot checks and ensuring team discipline.
• Efficient and effective handling of team to surpass departmental and organizational goals.
• Good knowledge of credit policies pertaining to retail products and adherence to the parameters fixed as per country credit risk team.
• Manage risks through exception reporting and reviewing applications processed.
• Work closely with other unit managers and business partners for optimum coordination.
• Promote an environment where all staff develop a sense of involvement in their work.
• Initiate and successfully follow up quality projects and productivity/work flow improvement reviews.
• Keep Unit/Division Heads advised of regular activities and escalate exceptional occurrences.
• Obtain satisfactory results in group and other internal audits.

Benefits

• Delivering superior service to clients by leading with innovation.
• Treating colleagues with dignity and fairness.
• Pursuing opportunities that grow shareholders value.
• Actively contributing to the community through responsible banking.

Company Description

The leading financial institution in MENA. While more than half a century old, we proudly think like a challenger, startup, and innovator in banking and finance, powered by a diverse and dynamic team who put customers first.

• Together, we pioneer key innovations and developments in banking and financial services.
• Our mandate? To help customers find their way to Rise Every Day, partnering with them through the highs and lows to help them reach their goals and unlock their unique vision of success.