Job Purpose
To process and evaluate Unsecured Financing / Credit Card applications and 1MY AML alerts within the stipulated turnaround time. To ensure credit decisions are of quality and in compliance with the statutory requirements, guidelines, credit policies and Standard Operating Procedure (SOP).
Key Responsibilities
- To analyse and process Unsecured Financing / Credit Card applications and 1MY AML alerts with complete set of documentation and information for new and existing customer.
- Ensure applications are processed within the stipulated turnaround time / KPI set and customers expectation is met.
- Perform verification of applicant with relevant parties to ensure the genuineness of the applicant and employment details. To be alert in detecting and preventing any potential elements of fraud or fraud applications.
- Follow-up of documents via RCSU or email.
- To performed Aqad and Acceptance task for Unsecured Financing.
- To compute and update applicants income, Debt Service Ratio and other relevant variable accurately before performing the Centralized Retail Decision Engine (CRDE).
- To evaluate, analyse and approve credit facilities within credit practices based on credit check findings and CCRIS conduct.
- To perform UAT Testing, escalate and follow up in the event facing any system issues.
- Exercising individual discretionary authority accordance to approval granted by management and ensures quality and accuracy.
- To undertake any other directives, duties and ad-hoc tasks assigned by Management from time to time.
