*Top Tier Digital Bank* Analyst, Credit Initiation

As a Credit Ops Analyst you'd be able to work on and solve many interesting challenges which we are facing, learn new ways of working, and help build delightful high-quality products for our customers.  

Job Description

Credit assessment, evaluation and approval of retail assets product applications with calculated credit risk by prudently evaluating and approving such applications in a timely and accurate manner, within the policies as established by the regulatory bodies and internal guideline.

The Role Responsibility:

• Evaluate and approve new applications/increase in limits/annual reviews/facility conversions and other common requests.
• Perform necessary verification required for credit decisioning.
• Working closely with Policy and vendor on delivering the policy changes in the credit decisioning systems.
• Support on test planning and test execution for any credit policy changes or new product or new program introduction.
• Working with product/marketing/sales/IT/Lending Operations on new programs/products/systems to ensure smooth implementation.
• Co-supervision and training of new/existing staff on new products and guidelines under the purview of credit evaluation.
• Actively engage the teams in regular discussions to drive operational efficiency and knowledge sharing.
• Maintain an open channel of communication with other stakeholders particularly sales channels, product/ process, policy/risk and operations teams to address any issues. 

Our Ideal Candidate:

• 1 year of experience in credit initiation process for retail products (unsecured) in financial services.
• Fresh graduates welcome to apply.
• Working and / or practical Knowledge on credit decision system is a must.
• Robust written and verbal communication skills.
• Strong stakeholder management skills.
• Excellent knowledge of MS Office - Microsoft PowerPoint, Word, and Excel a must.