As a Customer Operations Specialist, you will be at the heart of Avarda Bank’s customer experience, acting as the first point of contact for our Italian and Spanish customers across multiple digital and voice channels. You’ll play a critical role in delivering seamless support, resolving inquiries. Furthermore, you play a key role in analyzing customer financial information, making final credit decisions beyond automated scoring, and engaging with overdue customers to safeguard portfolio quality.

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Key Responsibilities
Customer Interaction & Support

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- Handle inbound calls, emails, and chat inquiries with professionalism and empathy, providing clear and accurate information regarding credit agreements, account status, and product features.
- Proactively identify customer needs and offer tailored solutions, ensuring a frictionless experience across all touchpoints.

Issue Resolution & Complaint Management

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Investigate and resolve customer issues efficiently, escalating complex cases to second-line support or technical teams when necessary.

Manage complaints with assertiveness and care, ensuring compliance with internal procedures and regulatory standards.

Operational Excellence

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- Maintain up-to-date records of customer interactions in our CRM system, ensuring all written cases are handled within agreed SLAs.
- Collaborate with cross-functional teams (e.g., Risk, Compliance, Product) to improve processes and enhance customer journeys.

Review the underwriting process

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- Ensure accuracy, quality, and risk‑appropriate decision‑making in the underwriting process.
- Analyse bank statements, credit bureau reports, income documentation, and other relevant materials.
- Make final credit decisions according to internal credit policy and risk appetite.

Qualifications & Experience

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- Fluent in Italian and Spanish(sp

📌 Customer Operations Specialist (Málaga)
🏢 TF Bank
📍 Málaga