About the role
- Conduct detailed credit assessments using financial statements, credit scores, and industry trends.
- Prepare and present credit risk reports for senior management and lending committees.
- Monitor existing credit portfolios for early warning signs and recommend corrective actions.
- Collaborate with Customer Care Executives to address client inquiries related to credit decisions.
- Ensure all credit analyses comply with regulatory standards and internal policies.
- Maintain accurate documentation of credit files and audit trails.
- Assist in the development and refinement of credit scoring models and underwriting guidelines.
- Support the back‑office team in processing loan applications and documentation verification.
- Participate in cross‑functional meetings to improve credit processes and customer experience.
- Stay updated on market developments, regulatory changes, and emerging credit risks.
- Bachelor’s degree in Finance, Economics, Business Administration, or related field.
- 2+ years of experience in credit analysis, underwriting, or risk assessment within BFSI.
- Strong analytical skills with proficiency in Excel and credit analysis software.
- Knowledge of regulatory frameworks such as RBI guidelines and Basel norms.
- Excellent written and verbal communication skills.
- Ability to work independently and as part of a back‑office team.
- Detail‑oriented with strong organizational and documentation skills.
- Customer‑focused mindset with experience handling client inquiries.
- Professional certifications (e.g., CFA, ICAI) are a plus.
- Proficiency in MS Office Suite and familiarity with CRM/ERP systems.