The Credit Officer for Credit Cards is primarily responsible for evaluation and rendering decisions on new applications for Credit Card and Personal Loan as well as requests for Increase in Credit Limit in compliance with the approved credit policies and guidelines on granting a facility.

Duties And Responsibilities

Service Delivery Management – Ensures that credit initiation and underwriting meet the service level targets
Booking of Quality Accounts – Assures that underwritten accounts are within the PDO and RAM benchmarks
Productivity – Ensures that individual quota is met
Audit and Compliance – Ensures that credit practices are within the standards of internal and external regulations
Special Projects – Recommends or supports credit projects and initiatives to improve turn-around time and reduce operational costs
Quality Management – Maintains industry level of quality in credit operation processes and commitment to agreed service levels through process assessment, diagnosis, reengineering, and monitoring of execution leading to enhanced efficiency
Vendor Management – Assists the Department Head on the selection, accreditation, contract negotiations and onboarding of third-party vendor for Credit Risk Operations as well as manages relationship, compliance to service agreement, performance evaluation, and ensures payment to the services
Budget Management – Coordinates with the financial business partner of Unsecured Lending and Cards Group on budget and manpower concerns

Qualifications

Bachelor's degree in business or any related course
Minimum of two (2) years experience in credit, fraud management, or process risk quality management within retail banking
Solid background in credit evaluation and operations
Prior exposure to audit and vendor functions
Ability to build and manage stakeholder relationships
Strong analytical and people management skills
Proficient in MS Office applications and credit/fraud systems

CREDIT OFFICER