Senior Associate - Retail Credit Initiation & Control

About the role

Mashreq Bank Pakistan is hiring a Senior Associate for its Credit Management Centre of Excellence (CM) in the retail credit area. The role covers the initiation and control of retail credit proposals and applications, including Badr products, and supports the front-end automation of the credit process. It is a supervisory credit review position, with backup duties for the team leader and assistant manager.

Key responsibilities

• Analyze and process credit proposals and applications for approval or escalation to Credit Supervisors within the stated turnaround time.
• Ensure smooth implementation of the front-end automation of the credit process across lending products, improving customer experience and productivity.
• Regulate approvals within Credit Policy and Product parameters, and ensure consistent application of credit policy and quality of underwriting decisions and collateral documents.
• Perform supervisory credit reviews for RBG products where required, following product program guidelines.
• Act as a reliable backup for the team leader and assistant manager, and help develop and train new staff.
• Analyze eligibility, bank statements and past data using systems such as Flex Cube, Prime and IRIS/MWS, and suggest productivity improvements.
• Identify exceptions in eligibility, pricing, collateral compliance and information capture, categorize declined or rejected cases, and escalate cases beyond eligibility criteria to Credit Supervisors.
• Meet daily productivity targets, deliver quality service within committed turnaround times, and act as first line of defense against fraud by flagging document anomalies to the Fraud Prevention Unit.
• Take part in training and testing by the quality unit, and recommend improvements to the Credit Policy and Product Manual and operational procedures.
• Work closely with team members, assistant managers, credit investigators, compliance and sales and branch staff, and support the assistant manager on day-to-day activities.

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 analysis systems such as Flex Cube, Prime, IRIS and MWS.