Customer Service & Operations Credit Analyst

Royal Bank of Scotland; Bengaluru; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Royal Bank of Scotland in Bengaluru, India, seeks a Senior Customer Service & Operations Credit Analyst to help deliver accurate transaction processing, timely authorisations and thoughtful investigations within agreed SLAs. The role focuses on supporting credit operations and improving processes to enhance customer and business outcomes.

You will review loan applications and credit evaluations, manage stakeholder relationships, stay abreast of policy changes, and adapt to a fast-paced

Qualifications

• Ability to understand and listen to customers
• Ability to adapt to fast-paced environments
• Strong organisational skills to deliver to deadlines
• Experience managing stakeholder relationships
• Awareness of changes in trends, policies, and regulations

Responsibilities

• Process, authorise, and investigate credit transactions to defined KPIs and SLAs.
• Review loan documentation, disclosures, and credit evaluations.
• Authorise and investigate all credit operations transactions.
• Collect and analyse information from customers and businesses.
• Identify opportunities to automate or enhance credit processes to improve customer and business experience.

Skills

Customer service

Stakeholder management

Regulatory awareness

Industry knowledge

Time management

Job description

Join us as a Customer Service & Operations Credit Analyst

We'll look to you to deliver customer and business outcomes, investigating queries, supporting business processes, policies, and procedures, and understanding customer and business needs. Specialising in Credit Operations, you'll respond to queries from customers and stakeholders promptly within agreed timelines. This is a chance to build on your credit skills and experience in an engaging and fast-paced environment. We're offering this role at senior analyst level.

What you'll do

As a Customer Service & Operations Credit Analyst, you'll deliver successful customer and business outcomes by processing, authorising, and investigating all transactions to defined key performance indicators and service level agreements. In doing so, you'll identify opportunities to enhance processes and enable the provision of a superior customer and business experience.

In addition, you'll:

• Review documentation including loan applications, disclosures, and credit evaluations
• Authorise and investigate all credit operations transactions
• Collect and analyse the required information from the customers and businesses
• Review credit operations processes which could be automated or enhanced to improve the customer and business experience

The skills you'll need

To succeed in this role, you'll need to have the ability to understand and listen to our customers, develop relationships, and maintain an understanding of their needs. You'll also have the ability to adapt to fast-paced environments and you'll have effective organisation skills to deliver to deadlines.

You’ll also need:

• Customer service abilities along with customer and industry knowledge
• An awareness of changes in trends, policies, and regulations
• An understanding of our industry and its customers
• Experience of managing stakeholder relationships

Hours 45

Job Posting Closing Date: 06/11/2026