About the Role
The role involves managing the end-to-end onboarding process of retail products, specifically focusing on Personal Loans and Cards application processing. You will ensure that set service standards for underwriting, CPV, and disbursal processes are met, while maintaining high quality in the onboarding process.
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Key Responsibilities
- Manage direct offshore operations related to retail product onboarding.
- Direct and control the Personal Loans and Cards application processing, ensuring all product parameters and policy criteria are met.
- Conduct reviews on cases and applications for accuracy and compliance with service level agreements (SLA) and turnaround times (TAT).
- Monitor monthly exceptions and report to relevant stakeholders while adhering to escalation processes.
- Maintain the quality of the onboarding process and ensure adherence to all necessary controls, risk factors, and procedures.
- Foster positive working relationships with personnel across various divisions and teams.
- Oversee management information systems (MIS) and provide weekly/monthly reports to key business stakeholders.
SLA/TAT Management
- Ensure daily SLAs are achieved through performance monitoring, reviews, spot checks, and team discipline.
- Respond to routine activity queries within pre-specified time frames.
- Focus on enhancing data entry quality and credit policies to improve approval rates.
Team Management
- Lead and manage the team effectively to surpass departmental and organizational goals.
- Approve changes designed to enhance and improve processes.
- Drive productivity and upskill leadership capabilities within the team.
- Analyze daily rejects/referrals and implement training and continuous learning to improve these metrics.
Credit Management
- Maintain thorough knowledge of credit policies relevant to retail products and ensure compliance with parameters established by the country credit risk team.
Risk Management
- Manage risks through exception reporting and application reviews.
- Ensure adherence to operational procedures and guidelines as specified in the operating procedures (PPG).
Interdependent Coordination
- Work closely with other unit managers and business partners, particularly with the Risk team, to enable optimal coordination among the various units.
- Assist in capacity planning to effectively respond to upcoming business volumes.
Benefits
- Join a pioneering financial institution in MENA that combines innovation with a customer-first approach.
- Contribute positively to the community through responsible banking and support customers in realizing their goals.
- Be part of a diverse and dynamic team dedicated to inspiring customers to rise every day.
