Assistant Manager, Retail CIC.Injaz - CM - CRM-Credit Initiation & Compliance.Credit Management

Role Overview

Assistant Manager, Retail CIC.Injaz - CM - CRM-Credit Initiation & Compliance, Credit Management at Mashreq. This is an offshore role managing end-to-end retail product onboarding.

Company Overview

Mashreq is the leading financial institution in MENA. With more than half a century of history, the organization thinks like a challenger, startup, and innovator in banking and finance. A diverse and dynamic team puts customers first, pioneering key innovations and developments in banking and financial services. The mandate is to help customers Rise Every Day, partnering with them to reach their goals and unlock their vision of success. The organization delivers superior service by leading with innovation, treating colleagues with dignity and fairness, and pursuing opportunities that grow shareholder value. Mashreq actively contributes to the community through responsible banking to inspire more people to Rise.

Role Purpose

To manage offshore direct operations, directing and controlling the end-to-end onboarding process of retail products—specifically Personal Loans and Cards—while ensuring adherence to agreed service standards, policy criteria, quality controls, and risk procedures.

Key Responsibilities

Operations & Processing

• Manage the end-to-end onboarding process of retail products offshore.
• Direct and control Personal Loans and Cards application processing, including underwriting, CPV and Disbursal processes.
• Ensure Personal Loans and Cards applications are checked and processed to meet SLA as per agreed TAT and accuracy standards.
• Review cases to ensure all product parameters and policy criteria are met.
• Maintain the highest possible quality in the end-to-end onboarding process of retail products delivered by team members.

Quality & Compliance

• Ensure that all required controls, risk factors and procedures are maintained.
• Manage risks through exception reporting and reviewing applications processed.
• Ensure that all procedures laid down in Operating Procedures and PPG are adequately followed.
• Constantly focus on data entry quality and credit policies to increase the approval rate.
• Review daily rejects and referrals and find ways to improve them through training and continuous learning.

Monitoring & Reporting

• Monitor and review performance through daily monitoring, spot checks and team discipline to ensure SLA is achieved.
• Ensure routine activity queries are responded to by concerned units within pre-specified time frames.
• Ensure monthly exception tracking and reporting to relevant stakeholders with adherence to escalation process.
• Manage MIS and deliver weekly and monthly reporting to key business stakeholders.

Team Management

• Handle team efficiently and effectively to surpass departmental and organizational goals.
• Approve changes to enhance and improve process.
• Increase productivity and improve leaders' skills.

Stakeholder Coordination

• Maintain a positive working relationship with personnel of other sections, divisions, onshore and offshore teams.
• Work closely with other unit managers, business partners and Risk team to enable optimum coordination between units.
• Enable adequate capacity planning to respond to forthcoming business volumes.

Skills & Competencies

• Good knowledge of credit policies pertaining to retail products.
• Adherence to parameters fixed by country credit risk team.
• Ability to monitor and review performance.
• Data quality and credit policy expertise.
• Risk management and exception reporting capability.
• Team leadership and people management.
• Stakeholder coordination and cross-functional collaboration.