Standard Chartered Bank Zambia Currently Collecting CV’s
Job Description
- JOB TITLE Credit Card Operations Officer GRADE: B9
- NAME TBA
- REPORTING RELATIONSHIP JOB TITLE
3.1 REPORTS
DIRECT TO: Manager, Retail Assets Operations Delivery of Retail Assets Operations
- Guidance on system processes and standards on service quality
- Business Policy, strategy and channel efficiency performance
- Guidance on Credit Policy, processes and reviews
3.2 Reports Indirectly To
N/A
3.3DIRECT REPORTS BY SUBORDINATE N/A
3.4 INDIRECT REPORTS: N/A
- JOB PURPOSE
- To provide first level of appraisal for all Credit Card applications
- To ensure all Credit Card Applications are processed to Hub/GBS.
- To ensure that credit card amendments are processed to GBS.
- To effectively follow through the production and distribution of credit cards in liaison with Customer Support Unit.
- To Ensure compliance with all KCSA, CST, DOI’s and GPS governing the processing of Credit Cards
- To undertake periodic assessment on key controls to assess the proper functioning and adequacy of existing controls
- To be Credit Card operations point of contact –Customer Service Management
- KEY RESPONSIBILITIES
- To ensure proper handling of credit cards.
- Generation of reports where necessary from the systems.
- Ensure that a down load or report is done or received for cards embossed.
- Co- ordinate with branches and other departments for smooth workflow.
- To ensure that all amendments for credit cards are actioned and forwarded to Hub.
- Ensure that customer issues where there are chargeback rights are acted upon with the correct reason codes.
- Reconciliation of cards from HUB to EDC to Country.
- Act as a custodian for credit cards.
- Ensure that reconciliation is received and action same day
- To minimize cost per transaction by ensuring that all customer requests are checked for completeness /accuracy before being processed to Hub, which will enable execution of transactions fast and accurate?
- Ensure that all unpaid items are advised to Hub on daily basis.
- Ensure that settlement entries are processed and confirmation sent to Hub.
- Ensure all queries from Customer Contact Center are responded to within the set up time frames.
- Check whether all the amendments sent previous day reflect in the system
- Ensure that unclaimed cards are destroyed under dual control and certificate of destruction is signed from the branches is obtainable.
- Ensure cards are dispatched to branches within 24 hours.
- Ensure that payments for cards are actioned on monthly basis.
- Ensure all replacements are done within the stipulated time
- Ensure you remain alert to the risk of Money laundering and assist in the bank`s efforts in combating it by adhering to key Money laundering principles in relating to :identifying your customers, monitoring of accounts; reporting suspicious transactions /unusual activities; safe guarding records and not disclosing suspicions to customers.
- Familiarize yourself on Money laundering prevention.
- Complete mandatory H&S e-learning (Safety, Security & Environment).
- Behave responsibly in compliance with this policy.
- Follow instructions as defined in H&S standards.
- Comply with applicable legal requirements.
- Report work related accidents, incidents, ill health and unsafe workplace conditions or hazards in accordance with H&S standards, through SCB online reporting system
- Cooperate in assessment and mitigation of H&S risks and investigation of accidents and incidents.
- KEY RELATIONSHIPS
(INTERNAL & EXTERNAL) Internal
- Operational Support areas
- Customer Support Service Staff
- Credit Initiation
- Marketing, Retail Products
- GBS team
External
- EDC
- CONTRIBUTION TO PROFITS
- Quality of service
- Portfolio health
- Achievement of unsecured lending processing targets
- FOR GRADING PURPOSES JUDGEMENT/COMPLEXITY
- Understands products and target market as well as the risk associated with the business
- Understands the relevant law, regulations and practices to understand how they increase/ mitigate risk
- Understand competitor products in order to provide input/feedback into product development with a view to enhance our competitive edge
- EXPERIENCE AND KNOWLEDGE
REQUIRED
- Degree / Diploma (or equivalent) in banking related field
- Minimum two years work experience
- Credit assessment skills
- Good interpersonal and communication skills
- Excellent team building qualities;
- In-depth knowledge of products, services and customer service issues.
- Well-informed of the market competitive structure, industry practices and regulations for credit delivery.
- Excellent interpersonal and networking skills, internally and externally.
- Computer literate (Word, Excel, Power Point, and the use of other spreadsheets);
- Sound knowledge of banking practice and theory;
Diversity and Inclusion
Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximize their personal potential.