# Senior Associate-Retail Credit Initiation&Control.CoE Pakistan CM - CRM - CCPL Onboarding.Credit Management-PAKCOE at Mashreq

Mashreq is hiring a Senior Associate-Retail Credit Initiation&Control.CoE Pakistan CM - CRM - CCPL Onboarding.Credit Management-PAKCOE for a remote role open to applicants in Pakistan. Level rates it Little AI ●○○○; you can [apply on Mashreq](https://jobsbylevel.com/go/d5e06452-045b-46a4-92a1-483b3b59fed7?utm_medium=ai-agent).

AI Level 1, AI centrality 0 out of 100. Remote (Pakistan).

## Details

- Company: [Mashreq](https://jobsbylevel.com/companies/mashreq)
- AI level: AI Level 1 (score 0 out of 100)
- Location: Remote (Pakistan)
- Posted: November 11, 2026
- Apply: https://jobsbylevel.com/go/d5e06452-045b-46a4-92a1-483b3b59fed7?utm_medium=ai-agent
- Free CV review for this job: https://jobsbylevel.com/cv-review?job=senior-associate-retail-credit-initiation-control-coe-pakistan-cm-crm-ccpl-onboarding-credit-management-pakcoe-at-mashreq-94d1de

## Prepare for this job

The job page lists 5 likely interview questions for this offer, with a CV checklist: https://jobsbylevel.com/jobs/senior-associate-retail-credit-initiation-control-coe-pakistan-cm-crm-ccpl-onboarding-credit-management-pakcoe-at-mashreq-94d1de

## 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. • To ensure smooth implementation of the front end automation of credit process solution across all lending products with significant gains in customer experience and productivity. • Regulating all approvals within the Credit Policy and Product parameters. • Ensuring consistent application of credit policy, quality of underwriting decisions and of documents held as collateral. • Responsible for the supervisory credit review function as and when required for RBG Products through implementation of standard operating procedures and policies as per Product Program Guidelines. • Responsible as a reliable back up in the absence of team leader/Asst Manager. • Responsible in the development of the new staff into the team and also periodically assist in the training of the new staff in the team 3 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. 4 Operating Environment, Framework and Boundaries, Working Relationships To interact on daily basis with the: • Internal staff within the team • Assistant Managers / Onshore managers • Credit Investigators • Internal Compliance • Sales and Branch staff in the absence of the Asst Manager • Liaising with other stake holders to fix any process hindrances • Operate in a high pressure credit automation driven environment. • To support Assistant Manager on day to day activities 5 Problem Solving • Approve all cases with strict adherence to approved delegated authorities and ensure strict implementation of the same • Escalation of cases lying beyond eligibility criteria and credit score to Credit Supervisors. 6 Decision Making Authority & Responsibility • To ensure compliance to specified procedure. • Ensure error free processing of cases • Review of the Quality reports and collectively review the corrective action plans • Approval of cases under delegated approval authorities. 7 Knowledge, Skills and Experience • Graduate with > 3 years work experience in Credit Management environment. • Excellent analytical skills. • Sound interpersonal skills

The description is cut here. Read the full offer: https://jobsbylevel.com/jobs/senior-associate-retail-credit-initiation-control-coe-pakistan-cm-crm-ccpl-onboarding-credit-management-pakcoe-at-mashreq-94d1de

Source: https://jobsbylevel.com/jobs/senior-associate-retail-credit-initiation-control-coe-pakistan-cm-crm-ccpl-onboarding-credit-management-pakcoe-at-mashreq-94d1de

## Cite this page

Level. https://jobsbylevel.com/jobs/senior-associate-retail-credit-initiation-control-coe-pakistan-cm-crm-ccpl-onboarding-credit-management-pakcoe-at-mashreq-94d1de.

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