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 employment 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 Bachelors degree in Finance, Business Administration, or a related field preferred. - Experience: o Previous experience reviewing and approving credit is an asset. o Minimum of 3:5 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.