Senior Associate- Credit Evaluator

Mashreq; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Job summary

MashreqBank in Bengaluru seeks a credit analyst to analyze credit proposals for retail lending products and escalate to Credit Supervisors as needed. You will ensure compliance with policies, data integrity in IRIS/MWS, and timely processing.

This role emphasizes accuracy, collaboration, and ongoing process improvements within the team. Ideal candidates have >3 years in credit management, strong analytical and interpersonal skills, and a customer-focused mindset to deliver quality service.

Qualifications

• Graduate with >3 years work experience in Credit Management.
• Excellent analytical skills.
• Strong interpersonal skills.
• Good PC skills and ability to generate reports.
• Customer focused and achievement oriented.

Responsibilities

• Analyze credit proposals for approval or escalation.
• Ensure decisions align with policy and turnaround times.
• Identify deficiencies and report to Team Leader for follow-up.
• Participate in process improvements and training initiatives.
• Maintain quality service for internal and external customers.

Skills

Analytical skills

Interpersonal skills

Problem solving

Customer focus

Achievement oriented

Independent work

Tools

MS Office

IRIS/MWS

Job description

Job Purpose

Analyze and process credit proposals and applications of MashreqBank's retail Lending Products also including Badr Products as well for approval or escalation to Credit Supervisors within the stipulated TAT.

Key Result Areas

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 'IRIS/MWS'
• 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
• 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.