Credit Merchant Acquiring Decisions Officer

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Position Title: Credit MACQ Decisions Officer

Job Summary:

The Credit MACQ Decisions Officer is responsible for accurately prescreening and evaluating merchant applications to ensure sound credit decisions. This includes validating documentary requirements, conducting internal and external credit checks, and applying established policies and guidelines. The role requires mastery of Merchant Acquiring Policies and Procedures and active monitoring of credit and process deviations within acceptable tolerance levels. The officer also classifies high-risk merchants, performs enhanced due diligence in compliance with regulatory standards, and ensures timely resolution of document deferrals to maintain policy adherence.

Specific Duties & Responsibilities:

Policy Compliance and Mastery

Gain comprehensive knowledge of Merchant Acquiring Policies and Procedures Manual (MAPPM).

Successfully pass annual Credit Assessment Test and revalidation by Credit Acquisition/Risk Management.

Stay updated on information security and compliance requirements.

Operational Performance

Meet unit KPIs such as accuracy, turnaround time, efficiency, approval rates, and audit standards.

Prevent aged or missing merchant applications beyond standard turnaround time.

Process reconsideration requests and special cases promptly, providing timely feedback to MACQ Sales.

Implement strategies to optimize resources and minimize errors.

Risk Management and Due Diligence

Classify merchants by risk level (low, medium, high) based on policy and verification results.

Detect and escalate potential fraudulent applications.

Conduct telephone verification and ocular inspections when necessary.

System and Documentation Expertise

Utilize internal and external systems (e.g., PRIME, NFC, CIF, IDBS, LexisNexis, Visa Online, MasterCard Trace, World Check One).

Interpret business and legal documents such as IDs, permits, financial statements, and corporate papers.

Maintain accurate MIS reports and ensure proper documentation.

Continuous Improvement and Customer Service

Advocate process improvements and efficiency initiatives.

Provide timely feedback for priority requests and manage deviation caps.

Build strong relationships with stakeholders to resolve documentation issues.

Control Functions and Special Projects

Conduct annual/portfolio reviews and ensure compliance with policies.

Escalate risk-related issues promptly.

Lead or participate in special projects and ensure updated procedures manuals.

Performs projects or tasks that may be assigned from time to time (e.g. BORC, BCP, Cost Champion, Corporate Correspondents, Line Trainer, e-Champ).

Qualifications:

• Bachelor's degree holder; preferably business course
• Minimum 2 years in Merchant Acquiring or related credit evaluation roles.
• Wiling to work onsite 100% in Makati City
• Willing to render overtime (if needed)

Other Details:

Rank: Junior Officer

Unit: Consumer Business Sector / Credit Operations Group / Credit Acquisition Division

Location: Makati City