Get to know the Role:
The Function is to do analysis of credit approval for Gold driver acquisition. Responsible for credit approval quality with optimalization of service level standard. Also to give input to Customer Relations Lead about the mechanism of credit approval.
The day-to-day activities:
- Review and analyse the credit approval proposal, based on prudentiality and effectiveness
- Coordinate field surveyor and make sure the prudentiality of credit approval
- Do the field survey by him/herself if needed
- Give recommendation of approval to Credit Comitee
- Ensure that the credit approval process is going effective and efficient
- Ensure that all credit approvals meet overall policy guidelines
- To give input on tools/ systems to facilitate monitoring of the credit approval
- Ensure that expected loss of credit portfolio is in line with the Gold Program’s directions.
- Coordinate with all teams regarding the overall credit approval process
- Develop new process of credit analysis to improve business process
- To maintain the NCL
- Manage and lead all the field surveyor
The must haves:
- 3+ years related working experience in high-change environment
- Experience working in financial company highly preferred, especially in credit analyst
- Willingness to challenge the status quo and delivery pragmatic and innovative solutions, influencing at the most senior grade
- Strong quantitative abilities and intuition, exceptional analytical skills
- Strategic thinker capable of driving internal and external to a consensus on important issues
- Well-developed accuracy and attention to detail.
- Ability to work in a fast‐paced, dynamic environment and deal effectively with conflicting priorities and change
- Strong customer focus & attention to detail
- Exceptional communication and presentation skills
- BA required, MBA or MS Degree or equivalent experience desired
- Excellent Credit Analysis skill
- Excellent excel and database skill
- Excellent Microsoft excel skill
- Negotiation and communication skill
