Banking Operations Senior Associate

Position Overview:
As a Credit Analyst, you will be part of a team performing outbound calls and offline work, adjudicating credit, conducting thorough investigations on credit bureaus, and deciding on the customer’s creditworthiness. Reporting to the Supervisor, Operations, this role offers a solid foundation for a career in Credit Card Operations.
Position Details:
•    Position: Credit Analyst
•    Status: Full Time – Work from Office
•    Hours: Monday – Friday, 9:00am – 8:00pm IST
•    Department: President’s Choice Financial
•    Rate of Pay: Competitive salary based on experience and qualifications
Key Responsibilities:
•    Fraud and Credit Risk Review:
o    Review new applications for fraud and credit risk, making outbound calls for fraud and employment verification.
o    Analyze conversations with applicants in real-time to assess potential fraud risk.
o    Document and approve requirements based on analysis of credit policies.
•    Credit Management:
o    Administer and control credit terms and limits.
o    Perform credit limit reviews, reinstatements, and account maintenance.
o    Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer’s requirements and ability.
•    Customer Interaction:
o    Communicate directly with applicants, adhering to brand standards.
o    Liaise effectively with other areas impacting the Credit Department.
o    Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking.
•    Compliance and Reporting:
o    Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk.
o    Ensure high levels of accuracy in report maintenance and tracking.
Qualifications and Requirements:
•    Educational Background:
o    Bachelor's degree in Finance, Business Administration, or a related field preferred.
•    Experience:
o    Previous experience reviewing and approving credit is an asset.
o    Minimum of 2-3 year of customer service experience.
o    Credit card experience required; credit and fraud experience is an asset.
•    Skills and Competencies:
o    Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner.
o    Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations.
o    Ability to communicate tactfully with various levels of business management in a professional manner.
o    Strong organizational and time management skills with the ability to prioritize and manage a heavy workload.
o    Demonstrated ability to implement change efforts.
o    Highly motivated with the ability to work independently in a fast-paced team environment.
o    Knowledge of PCs and strong keyboarding skills.
o    Proficiency in MS Word, Excel, and Outlook is an asset.
o    TSYS/ADM system knowledge is an asset.
o    Flexibility and willingness to work overtime as required.
Additional Information:
•    This role requires rotational shifts, which may include evenings, weekends, and holidays.
•    The position offers opportunities for professional growth and development within the Credit Card Operations department.