As the Credit Risk Analyst, you will be handling all credit risk functions and initiatives of assigned business units. You will be responsible for ongoing monitoring and credit reviews of various loan portfolios in multi-grade credit profiles and recommending action steps based on our risk appetite.
Responsibilities:- Credit appraisals of loan applicants within defined policy guidelines of Own NBFC and Co lending partners
- Assessing creditworthiness of the potential client by scrutinising the financials, credit history based on documents submitted, market information, reference checks, etc
- Ensuring verification processes are followed in a systematic and timely manner
- Coordinating with the verification agencies to aid in decision-making
- Timely Processing of the proposals to ensure faster TAT
- Ensuring adherence to the internal credit policy and RBI guidelines applicable to the NBFCs
- Providing inputs to bring in best industry practices and revising credit risk policies and guidelines periodically
- Participating in internal projects that improve credit process efficiency and effectiveness to assist in achieving key strategic objectives
- Monitoring the repayment history and taking necessary corrective actions
- Closely tracking of delinquent customers to ensure these remain in lowest bucket and learnings from these are implemented for future cases
- Appraising deviations based on mitigants, relationships, local market knowledge, etc.
Requirements:- Any Graduate with Experience in similar Role for 2 years plus - MBA/CA preferred
- Demonstrable experience in NBFC/Banks for not less than 2 years in Unsecured Loans, Auto Loans, Credit Cards etc
- Proven experience in Unsecured loans - Business (SME) especially in Fintech start-up
- Strong control and understanding of MIS – using - MS EXCEL including VLOOKUP & HLOOK UP etc
- Analytical bent of mind & strong judgmental attributes
- Excellent Communication and negotiation skills
- Flexible for a 6-day-a-week working structure (10 am to 7 pm)