Customer Service & Operations Credit Analyst

Royal Bank of Scotland; Chennai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Royal Bank of Scotland in Chennai is seeking a Senior Customer Service & Operations Credit Analyst to deliver customer and business outcomes by processing, authorising, and investigating transactions in line with service level agreements. This role focuses on credit operations within a fast-paced banking environment.

You will review loan applications, disclosures, and credit evaluations, collect information from customers and businesses, and identify opportunities to enhance processes and the

Qualifications

• Customer service mindset and ability to listen to customers.
• Awareness of regulatory changes affecting credit operations.
• Understanding of banking products and credit industry customers.

Responsibilities

• Review documentation including loan applications, disclosures, and credit evaluations.
• Authorise and investigate all credit operations transactions.
• Collect and analyse required information from customers and businesses.
• Review credit operations processes for potential automation or enhancements.

Skills

Customer service

Industry knowledge

Stakeholder management

Regulatory awareness

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