Credit Analyst

NTT DATA, Inc.

2 - 3 years

2 - 6 Lacs

gurugram

Posted:2 months ago| Platform:

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Skills Required

credit risk credit analysis customer service credit management ms office outlook financial analysis risk management credit underwriting credit appraisal accounting credit rating credit research credit policy credit risk analysis finance

Work Mode

Work from Office

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 customers creditworthiness
Reporting to the Supervisor, Operations, this role offers a solid foundation for a career in Credit Card Operations.
Hours: Monday Friday, 9:00am 8:00pm IST
Department
: Presidents Choice Financial Rate of Pay: Competitive salary based on experience and qualificationsKey Responsibilities: Fraud and Credit Risk Review:o 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:o 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 customers requirements and ability
Customer Interaction:o 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: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:

Bachelor's degree in Finance, Business Administration, or a related field preferred. Experience: Previous experience reviewing and approving credit is an asset.

Minimum of 2-3 year of customer service experience.o 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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