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NTT DATA North America
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Banking Operations Associate

Banking Operations Associate

NTT DATA North America

1 - 2 years

0 Lacs

Gurgaon Haryana India

Posted:3 months ago| Platform:

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Skills Required

creditworthiness reporting risk verification analyze analysis maintenance service efficiency data report tracking compliance finance communication management pcs keyboarding word excel flexibility development

Work Mode

On-site

Job Type

Full Time

Job Description

"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:
Review new applications for fraud and credit risk, making outbound calls for fraud and employment verification.
Analyze conversations with applicants in real-time to assess potential fraud risk.
Document and approve requirements based on analysis of credit policies.
Credit Management:
Administer and control credit terms and limits.
Perform credit limit reviews, reinstatements, and account maintenance.
Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer’s requirements and ability.
Customer Interaction:
Communicate directly with applicants, adhering to brand standards.
Liaise effectively with other areas impacting the Credit Department.
Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking.
Compliance and Reporting:
Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk.
Ensure high levels of accuracy in report maintenance and tracking.

Qualifications and Requirements:

Educational Background:
Bachelor's degree in Finance, Business Administration, or a related field preferred.
Experience:
Previous experience reviewing and approving credit is an asset.
Minimum of 1-2 year of customer service experience.
Credit card experience required; credit and fraud experience is an asset.
Skills and Competencies:
Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner.
Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations.
Ability to communicate tactfully with various levels of business management in a professional manner.
Strong organizational and time management skills with the ability to prioritize and manage a heavy workload.
Demonstrated ability to implement change efforts.
Highly motivated with the ability to work independently in a fast-paced team environment.
Knowledge of PCs and strong keyboarding skills.
Proficiency in MS Word, Excel, and Outlook is an asset.
TSYS/ADM system knowledge is an asset.
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.

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Banking Operations Associate