Senior Associate - Retail Credit Initiation & Control

About the role

Mashreq Bank is hiring a Senior Associate for its Credit CoE in Pakistan, covering retail credit initiation and control, CRM and CCPL onboarding. The role processes retail lending proposals and applications, including Badr products, and escalates them to Credit Supervisors within the stated turnaround time. It also supports the front-end automation of the credit process, ensures compliance with credit policy and acts as a backup to the team leader.

Key responsibilities

• Analyze and process credit proposals and applications, checking eligibility against policy, bank statements and past data, and escalate to Credit Supervisors within the stipulated TAT.
• Ensure smooth implementation of the front-end automation of the credit process and support productivity gains.
• Regulate approvals within Credit Policy and Product parameters, and ensure consistent application of credit policy and quality of underwriting decisions.
• Perform supervisory credit reviews for RBG products where required, following product program guidelines.
• Act as a reliable backup in the absence of the team leader or Assistant Manager, and help develop and train new staff.
• Identify exceptions in eligibility, pricing, collateral compliance and information capture, and categorize cases as Declined, Rejected or for deviation approval.
• Communicate major deficiencies and policy violations to the Team Leader or Assistant Manager, and meet daily productivity targets and turnaround times.
• Take part in training and testing by the quality unit, and help onboard new staff.
• Identify anomalies in the Credit Policy and Product Manual and recommend improvements to operational procedures and risk areas.
• Work closely with team members, Assistant Managers, Credit Investigators, Compliance, and sales and branch staff, and liaise with stakeholders to remove process bottlenecks.
• Approve cases within delegated authorities, escalate ineligible cases to Credit Supervisors, and review quality reports and corrective action plans.

Required profile

• Graduate with more than 3 years of work experience in a credit management environment.
• Excellent analytical skills, sound interpersonal skills and good PC skills.
• Ability to solve problems and work independently; customer-focused and achievement-oriented.

Required skills

• Sound knowledge of MS Office tools for reporting.
• Use of credit systems such as Flex Cube, Prime and IRIS/MWS.