Req ID: 332081 

NTT DATA strives to hire exceptional, innovative and passionate individuals who want to grow with us. If you want to be part of an inclusive, adaptable, and forward-thinking organization, apply now.

We are currently seeking a Banking Operations Associate to join our team in Gurgaon, Haryāna (IN-HR), India (IN).

"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    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 1-2 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.
"

About NTT DATA

NTT DATA is a $30 billion trusted global innovator of business and technology services. We serve 75% of the Fortune Global 100 and are committed to helping clients innovate, optimize and transform for long term success. As a Global Top Employer, we have diverse experts in more than 50 countries and a robust partner ecosystem of established and start-up companies. Our services include business and technology consulting, data and artificial intelligence, industry solutions, as well as the development, implementation and management of applications, infrastructure and connectivity. We are one of the leading providers of digital and AI infrastructure in the world. NTT DATA is a part of NTT Group, which invests over $3.6 billion each year in R&D to help organizations and society move confidently and sustainably into the digital future. Visit us at us.nttdata.com

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