CBS - CREDIT MACQ DECISIONS OFFICER

The position is responsible for delivering an accurate prescreening and evaluation of merchant applications to render a sound decision. He/she is tasked to thoroughly inspect / validate / assess the documentary requirements, internal and external credit check results including credit verification. He/she is responsible to arrive at a decision based on the current policies and guidelines, and acquire mastery of the Merchant Acquiring Policy and Procedures.

The position is in charge to actively monitor the Credit Deviation and Process Deviation to conform to the tolerance level set by the business. He/she is responsible to classify high risk merchants and perform an enhanced due diligence to comply with the regulatory requirements. Conscientious monitoring of document deferrals will also be the duty of the officer to ensure that accredited merchants are compliant with the existing policy for documentary requirements.

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Position Title: Decisions Officer (MACQ)

Job Summary:  

Responsible for delivering an accurate prescreening and evaluation of merchant applications to render a sound decision.

• Thoroughly inspect / validate / assess the documentary requirements, including the result of negative database checking
• Responsible to arrive at a decision based on the current policies and guidelines, and acquire mastery of the Merchant Acquiring Policy and Procedures
• Actively monitor the Credit Deviation and Process Deviation to conform to the tolerance level set by the business
• Responsible to classify high risk merchants and perform an enhanced due diligence to comply with the regulatory requirement
• Conscientious monitoring of document deferrals will also be the duty of the officer to ensure that accredited merchants are compliant with the existing policy for documentary requirements

Role Exposure:

• Level up your customer service skills as you make customers and their needs a primary focus.
• Build and sustain your relationships and networks with different internal business units and external partners.

Qualifications:

• Bachelor’s degree form a college/university, preferably a graduate of Business course
• At least 2 years of experience in Merchant Acquiring business
• Knowledge of end-to-end process of merchant accreditation is a advantage; exposure to portfolio management is an advantage
• Excellent oral and written communication skills
• Strong building of relationship to stakeholders
• Has broad understanding of the different segments of the credit card business and the capacity to relate unit’s operations and performance metrics to the overall business of the company
• Willing to work overtime on weekdays, weekends, holidays and field work

Other Details:

Rank: Junior Officer

Unit: Consumer Business Sector – Credit Operations Group

Location: Metrobank Card Center, Makati City

Adhere to current policies and procedures and achieve mastery of the policy by:
 Learning and understanding the Merchant Acquiring Policies and Procedures Manual (MAPPM)
 Achieving a passing score in the Credit Assessment Test (CAT) conducted annually.
 Passing the revalida administered by a panel of experts from Credit Acquisition / Risk Management.
 Being updated on information security guidelines and compliance related requirements.

Achieve the key performance indicators of the Unit, e.g., service indicators, accuracy, turn-around-time, efficiency, approval rates, error reviews, audit assessments and others.
 Responsible in ensuring zero aged (beyond the standard TAT) or missing / lost merchant application in the inventory.
 Ensures timely and accurate processing of requests for reconsideration and those that require special handling and provide prompt feedback to MACQ Sales.
 Initiates strategies to maximize resources and minimize errors to ensure that all performance indicators are met.
 Advocate and supports environment of continuous process improvement.

Strengthen the service standards in handling internal and external customers
 Provides timely feedback to the requestor for Priority 1 requests
 Effectively manages the target deviation cap
 Build strong relationship with stakeholders to address issues and challenges in terms of documentary requirements.
 Recommend deactivation and disaffiliation of merchants based on assessment of performance review and compliance to vital requirements.

Business Knowledge and Systems
 Learn and understand the card host system (PRIME), internal (such as NFC, CIF) and external (Visa Online, MasterCard Trace and World Check One) modules.
 Accurately updates and maintains various MIS reports.
 Keen expertise in interpreting business and legal documents but not limited to IDs, General Information Sheet, Secretary’s Certificate, Articles of Incorporation, By-Laws, DTI Certificate, Business Permit, Audited Financial Statement, Merchant Agreement.

Fulfill the required functions in processing a merchant application
 Conducts telephone verification to merchants. Perform due diligence or probing when needed.
 Endorse applications for ocular (as applicable) and evaluate the result.
 Accurately read the merchant application form and various MCC templates submitted by MACQ Sales. Identify gaps that may lead to auditable issues, and escalate matter on a timely manner.
 Perform technical function related to upload activity such as Alipay / WeChat, QR codes, P2M and Non-PPMI profile creation.
 Detects possible fraudulent merchant application and ensure timely escalation to stakeholders
 Provide assessment to assign an accurate risk level (low, medium, high) based on the policy requirement, submitted document and verification result.

Performance of Control Functions
 Conducts annual and portfolio review within a specified timeframe.
 Ensures that decision is compliant with the policies and procedures.
 Promptly escalates issues to the supervisor that may result to risk exposure.

Handling of special assignments and projects.
 Ensures that Procedures Manual is updated with the current policies and process requirements.
 Leads on special projects that may be assigned from time to time.
 Initiates projects that will help achieve the unit’s target.
 Ensures that assigned projects are carried out completely and should monitor / analyze the result through an established MIS report.

Performs projects or tasks that may be assigned form time to time (e.g. BORC, BCP, Cost Champion, Corporate Correspondents, Line Trainer, e-Champ).