Lead- Credit Evaluator

Mashreq; Bengaluru; On-site; INR 800,000 - 1,600,000; Full time

Job summary

Mashreq Bank in Bengaluru is seeking a Credit Analyst to evaluate retail lending proposals, ensure policy compliance, and support front-end automation of credit processes. The role includes supervising credit reviews for mortgage products and training new staff while maintaining turnaround times and quality in credit decisions. You will collaborate across teams to improve productivity and customer experience, with a focus on risk controls and policy adherence.

Qualifications

• 3+ years in credit management environment required.
• Strong analytical skills essential.
• Good interpersonal and communication skills.
• Proficient in MS Office for reporting.
• Ability to work under pressure and independently.

Responsibilities

• Analyze and approve/escalate credit proposals per policy and RCMS.
• Contribute to productivity improvements and process enhancements.
• Ensure compliance with credit policy and product parameters.
• Perform supervisory credit review for mortgage products as needed.
• Train new staff and develop team members.
• Identify anomalies and communicate deficiencies to supervisor.
• Participate in trainings and process improvement initiatives.
• Identify operational issues and suggest policy/process improvements.

Skills

Analytical thinking

Interpersonal skills

MS Office proficiency

Problem solving

Customer focus

Pressure tolerance

Education

Graduate with >3 years in Credit Management

Job description

Job Purpose:

• Analyze and process credit proposals and applications of Mashreq Bank’s retail Lending Products also including Islamic Products as well for approval or escalation to Credit Supervisors within the stipulated TAT.
• To ensure smooth implementation of the front-end automation of credit process solution across all lending products with significant gains in customer experience and productivity.
• Regulating all approvals within the Credit Policy and Product parameters.
• Ensuring consistent application of credit policy, quality of underwriting decisions and of documents held as collateral.
• Responsible for the supervisory credit review function as and when required for mortgage Products through implementation of standard operating procedures and policies as per Product Program Guidelines.
• Responsible as a reliable back up in the absence of team leader/Asst Manager.
• Responsible in the development of the new staff into the team and periodically assist in the training of the new staff in the team.

Key Result Area:

Credit Analysis

• Analyzing for approval or escalation to higher authority: eligibility as per policy, bank statement, past data check on “Flex cube “, Prime, and other applicable systems review through application system ‘RCMS.’
• Measuring, evaluate and providing suggestion to improve the team’s productivity.
• To undertake various assigned projects to increase the unit productivity and to enhance product and credit policy for retail lending products.
• To be actively part of all trainings, process improvement initiatives and system changes for the product / process betterment.

Exception Identification

• Exception identification for eligibility, pricing, CPV, information capture on the system and collateral compliance.
• Communicating major deficiencies and policy violations to Team Leader/Asst Manager for follow-up.
• Categorizing cases as ‘Declined’, ‘Rejected’, or ‘for Deviation Approval’ if above checks fail.
• To ensure daily productivity targets are met.
• To ensure quality service to internal / external customers by adhering to the committed turnaround time.
• To be first line of defense by exercising controls to book quality applications and to highlight any document anomalies sighted with the Fraud prevention unit.

Training & Testing

• To be actively involved in the process of training and testing implemented by the quality unit.
• To help in the on-job training of the new staff in the team Classification: Internal Use
• To be a key team player and should at all times keep the motivation levels up within the team.

Credit Policy / Product Manual & Operational Issues

• Identifying anomalies in Credit Policy and Product Manual.
• Recommending additions and modifications to Credit Policy and Product Manual.
• Recommending improvements in operational procedures and risk areas from time to time.

Knowledge, Skills and Experience

• Graduate with > 3 years work experience in Credit Management environment.
• Excellent analytical skills.
• Sound interpersonal skills
• Sound knowledge in MS office tools for report purposes
• Good PC skills.
• Ability to problem solving and work independently.
• Should be customer focused and achievement oriented.
• Willing to work under pressure

The leading financial institution in MENA

While more than half a century old, we proudly think like a challenger, startup, and innovator

in banking and finance, powered by a diverse and dynamic team who put customers first.

Together, we pioneer key innovations and developments in banking and financial services.

Our mandate? To help customers find their way to Rise Every Day, partnering with them through

the highs and lows to help them reach their goals and unlock their unique vision of success.

Delivering superior service to clients by leading with innovation, treating colleagues with dignity and fairness while pursuing opportunities that grow shareholders value.

We actively contribute to the community through responsible banking in our mission to inspire more people to Rise.