Unsecured Credit Approval Specialist

Key Responsibilities *

Strategy And Planning

• Responsible for all credit perspective of the applications including ensuring compliance/ adherance with credit policies, guidelines and regulations, portfolio review.

Business Performance and Management

• Assist in all administrative functions of the Consumer Credit Operations Unit. 
• Collate data for monthly reporting and assist to prepare reports as required.

People Management

• Advise Personal Bankers and Team Managers on credit related issues.

Regulatory Compliance

• Manage proper credit evaluation of facility applications and completion of documentation in accordance with policies and procedures. Adhere to Group’s standards portfolio / bulk reviews.
• Ensure compliance / adherence with credit policies and regulatory guidelines.
• Recommend and approve limits up to the appropriate delegated authority.
• Any other responsibilities/tasks as assigned by the Management from time to time.
• Key Dimension of Impact *
• Adhere to Service Level Agreement (SLA) for approval status as applicable:
• Ploans: 90% within 1 day.
• Credit Cards / Cashlite: 90% within 3 days.

Ensure portfolio risk/reward profile is within company risk appetite. Manage acquisition quality, portfolio quality and low side overrides.