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Senior Associate- Credit Evaluator at Mashreq — Bengaluru

Experience3–4 yrs
SalaryNot disclosed
Work modeonsite
Levelmid
Posted22 Sept 2026

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About Mashreq

Mashreq is hiring in Bengaluru in financial services. This role looks for around 3+ years of experience.

Skills

credit management
credit analysis
fraud prevention
credit policy
collateral compliance
Microsoft Excel

The role

A credit manager at a retail lending bank analyzes credit proposals, reviews eligibility and collateral compliance, and identifies policy exceptions using credit management, credit analysis, and fraud prevention. The role also improves credit policy and operational procedures.

Full job description

Job Purpose

Analyze and process credit proposals and applications of MashreqBank’s retail Lending Products also including Badr Products as well for approval or escalation to Credit Supervisors within the stipulated TAT.

Key Result Areas

Credit Analysis

• Analyzing for approval or escalation to higher authority: eligibility as per policy, bank statement, past data check on “Flex cube “, Prime, and other applicable systems review through application system ‘IRIS/MWS’

• Measuring, evaluate and providing suggestion to improve the team’s productivity.

• To undertake various assigned projects to increase the unit productivity and to enhance product and credit policy for retail lending products.

• To be actively part of all trainings, process improvement initiatives and system changes for the product / process betterment.

Exception Identification

• Exception identification for eligibility, pricing, CPV, information capture on the system and collateral compliance.

• Communicating major deficiencies and policy violations to Team Leader/Asst Manager for follow-up.

• Categorizing cases as ‘Declined’, ‘Rejected’, or ‘for Deviation Approval’ if above checks fail.

• To ensure daily productivity targets are met.

• To ensure quality service to internal / external customers by adhering to the committed turnaround time.

• To be first line of defense by exercising controls to book quality applications and to highlight any document anomalies sighted with the Fraud prevention unit

Training & Testing

• To be actively involved in the process of training and testing implemented by the quality unit.

• To help in the on job training of the new staff in the team

• To be a key team player and should at all times keep the motivation levels up within the team

Credit Policy / Product Manual & Operational Issues

• Identifying anomalies in Credit Policy and Product Manual.

• Recommending additions and modifications to Credit Policy and Product Manual.

• Recommending improvements in operational procedures and risk areas from time to time.

Knowledge, Skills and Experience

• Graduate with > 3 years work experience in Credit Management environment.

• Excellent analytical skills.

• Sound interpersonal skills

• Sound knowledge in MS office tools for report purposes

• Good PC skills.

• Ability to problem solving and work independently.

• Should be customer focused and achievement oriented.