Summary of Career

1. Job Description - Credit Analyst - RAK Bank

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2. Taking decisions based on sound analysis, creative thoughts and with due regard to consequences, based on complete awareness of the ALOC Listing Policy & Processes evidenced by quality of credit analysis & degree of supervision required.

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3. Analyzing Company listing requests received from the Sales / Branches Teams, to be listed with RAK Bank’s Approved List of Companies (ALOC) for sourcing Credit Cards, Personal Loans & Other Products/Services.

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4. Maintenance of ALOC Files for both Personal Loans & Credit Cards, including all the required System Checks (Central Bank, Finacle, Blacklisting/Negation, Crystal Reports), Database & MIS Checks, Web Checks, etc. done based on all new ALOC Company Listings, Upgrades, Restrictions, Company Name Change Requests, other ALOC remark updates, etc.

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5. Conducting various other ALOC related activities like: MIS Updates & Reports (Extracting Reports of Salary Credits, Portfolio Exposures, etc.), Credit Phone Verification, Blacklisting of Companies, Archiving of Approved Cases, etc.

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6. Adhering & ensuring strict compliance of ALOC Policies and Procedures, given as per Credit Circulars, Regulatory Directives, and Credit Approval Notes.

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7. Networking with Sales, Branches, and other departments to exchanges feedback for all kinds of issues and concerns for ALOC related matters.

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8. Ensuring that any Audit findings are resolved within a maximum period of 1 month from receipt of report.

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9. Addressing any System & Process change requirements for better Risk Management, which is evidenced by involvement in systems projects / activities, contribution to change with resultant savings & management of change.

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