Analyst, Credit Card-Retail IRM (EO-PO)

• At least 6 years

• Bachelor/Honors
• Masters

• Graduation or Post-Graduation in Commerce, BBA, MBA, or a relevant discipline from a UGC-approved local or reputable foreign university will be preferred;

• No Third division/class/equivalent result in any academic examination.

• At least 6 years

• Minimum 4 years of experience in related field and 6 years total work experience in banking sector; It can be relaxed in case of exceptional quality or demonstrated capacity.

• Excellent communication, interpersonal & presentation skills.

• Having Investment related knowledge.

• Customer service and customer manageable ability.

• Strong analytical skill to analyze La-Rica card & Retail Investment proposals.

• Have a good idea about local business & economic situation depends on nature & area.

• Highly PC literate with an emphasis on Microsoft Word, Excel & PowerPoint.

Processing individual credit card applications & limit enhancement requests across all customer segments by conducting comprehensive profile assessments covering income, employment, financial behavior, repayment history, risk capacity, IBR and CIB reports. Ensuring accuracy, compliance & bank policies and guidelines thorough scrutiny of documents, CPV verification, contact number authentication, and justified limit determination.

Major Responsibilities:

Card Investment Appraisal:

·        Analyze credit card proposals submitted by sales team/branches/sub-branch/hubs etc.

·        Assessing the customer's profile, including income level, employment status, social and financial behavior, repayment history, risk tolerance and capacity, etc.

·        Evaluate market conditions and sectoral risks.

·        Review and verify the correctness and completeness of required documents (e.g., NID, TIN, Income document, Trade licenses, Bank statements, Lien documents, etc.).

·        Identify key risks, mitigates and provide well-structured preliminary risk notes to the Unit Head.

·        Maintain TAT.

·        Processing credit card limit enhancement requests based on the overall performance and activity of the account, including usage frequency, spending patterns and payment history.

Financial Assessment:

·        Assessing the risk factors and Investment Burden Ratio (IBR) associated with credit card applications.

·        Assessment of the CIB report to determine the customer’s creditworthiness and the potential risk of existing investment facilities in handling new credit responsibilities.

·        Ensure the CPV report that reflects accurate details such as the customer’s personal information, employment status, and verified sources of income.

·        Ensuring proper and required documents for issuing credit cards and determining a justified limit.

Portfolio Monitoring:

·        Analyzing delinquency trends, utilization patterns, and payment behavior across the credit card portfolio based on MIS report.

·        Post factor approval of credit card files assessment when require.

Compliance & Shariah Adherence:

·        Ensure proposals follow bank’s internal policy and Bangladesh Bank guidelines.

·        Verify that financing requests adhere to Shariah rules, contract structures, and documentation requirements.

·        Highlight deviations, irregularities, or non-compliance issues for corrective action.

·        Respond to Audit & Compliance observations and findings, where necessary

Coordination & Communication:

·        Communicating with branches, the sales team and key sales representatives.

·        Work closely with unit teams, business departments and Shariah compliance.

·        Verifying applicant as well as references contact numbers to ensure reachability and authenticity.

Compliance & Shariah Adherence:

·        Perform any other function/task as and when assign by the superiors.