Job Title: Associate – Retail Credit Operations
Location: Remote (Work from Home)- Karachi preferred but CVs from Lahore, Islamabad may be considered if relevant
Job Type: 12-Month Contract (Extendable)
Industry: Banking / Financial Services
Employment Type: 3rd Party Payroll (Fulcrum) – Deployed at a Leading Bank
About the Role:
We're hiring on behalf of a leading bank for a contractual remote role. As an Associate – Retail Credit Operations, you'll be responsible for processing and servicing secured loans like Home Loans, SME/LAP, and Auto Loans.
Key Responsibilities:
Loan Documentation & Disbursal (Home / SME / Auto Loans):
- Verify all disbursal documents (KYC, offer letters, agreements, insurance, etc.) as per SOPs
- Ensure compliance with credit approvals and internal policy standards
- Prepare documentation checklists, record discrepancies, and raise exceptions
- Execute accurate loan disbursals and financial transactions in the system
- Forward cases to checker for authorization and follow maker-checker controls
- Maintain accuracy and quality in loan servicing requests (rescheduling, settlement, release letters, etc.)
MIS, Reporting & Reconciliations:
- Update MIS trackers and circulate to stakeholders
- Track deferrals and insurance status, escalating issues as needed
- Perform GL reconciliations with zero exceptions
- Generate monthly group insurance reports and ensure timely declarations
- Support testing (UAT), system issue tracking, and ad hoc business tasks
Communication & Coordination:
- Collaborate effectively with onshore teams to meet SLA and TAT
- Handle customer complaints and ensure resolution
- Participate in continuous improvement of operational accuracy
Required Qualifications & Skills:
- Graduate with 1–3 years of operations experience (banking preferred)
- Strong analytical and documentation review skills
- Proficient in MS Office tools (Excel, Word, PowerPoint, Outlook)
- Understanding of banking credit policies and disbursal processes
- Attention to detail, good communication, and teamwork
Behavioral Competencies:
- Customer focus & accuracy
- Commitment to results
- Teamwork and interpersonal collaboration
- Continuous learning mindset
Job Types: Full-time, Contract
Contract length: 12 months
Application Question(s):
- How many years of experience do you have in loan operations or credit processing (e.g., home, auto, or SME loans)?
- Have you previously reviewed and verified loan documentation (KYC, agreements, insurance, etc.) as part of your role?
- Which software/tools have you used in your previous operations roles?
- How many years of experience do you have in banking or financial operations?
- This is a 12-month contractual role under a third-party payroll (Fulcrum) for a leading bank. Are you open to contractual employment?
Work Location: Remote
Application Deadline: 10/06/2025
