Job Description

Position Overview:

As a Credit Analyst, you will be part of a team performing outbound calls and offline work, adjudicating credit, conducting thorough investigations on credit bureaus, and deciding on the customer's creditworthiness. Reporting to the Supervisor, Operations, this role offers a solid foundation for a career in Credit Card Operations.

Position Details:

Position: Credit Analyst Status: Full Time - Work from Office Hours: Monday - Friday, 9:00am - 8:00pm IST Department: President's Choice Financial Rate of Pay: Competitive salary based on experience and qualifications

Key Responsibilities:

Fraud and Credit Risk Review:

o Review new applications for fraud and credit risk, making outbound calls for fraud and em+D120ployment verification.

o Analyze conversations with applicants in real-time to assess potential fraud risk.

o Document and approve requirements based on analysis of credit policies.

Credit Management:

o Administer and control credit terms and limits.

o Perform credit limit reviews, reinstatements, and account maintenance.

o Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer's requirements and ability.

Customer Interaction:

o Communicate directly with applicants, adhering to brand standards.

o Liaise effectively with other areas impacting the Credit Department.

o Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking.

Compliance and Reporting:

o Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk.

o Ensure high levels of accuracy in report maintenance and tracking.

Qualifications and Requirements:

Educational Background:

o Bachelor's degree in Finance, Business Administration, or a related field preferred.

Experience:

o Previous experience reviewing and approving credit is an asset.

o Minimum of 2-3 year of customer service experience.

o Credit card experience required; credit and fraud experience is an asset.

Skills and Competencies:

o Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner.

o Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations.

o Ability to communicate tactfully with various levels of business management in a professional manner.

o Strong organizational and time management skills with the ability to prioritize and manage a heavy workload.

o Demonstrated ability to implement change efforts.

o Highly motivated with the ability to work independently in a fast-paced team environment.

o Knowledge of PCs and strong keyboarding skills.

o Proficiency in MS Word, Excel, and Outlook is an asset.

o TSYS/ADM system knowledge is an asset.

o Flexibility and willingness to work overtime as required.

Additional Information:

This role requires rotational shifts, which may include evenings, weekends, and holidays. * The position offers opportunities for professional growth and development within the Credit Card Operations department.