About the role
- Analyze credit applications and perform risk assessments using established scoring models.
- Prepare and present credit recommendations to senior management for approval.
- Monitor existing credit accounts for compliance with terms and early warning signs of delinquency.
- Maintain accurate records of credit decisions, documentation, and portfolio performance.
- Ensure adherence to internal policies and external regulatory requirements (e.g., RBI, Basel).
- Collaborate with sales and operations teams to resolve customer credit inquiries promptly.
- Provide clear explanations of credit decisions and terms to customers, enhancing satisfaction.
- Prepare periodic credit risk reports and dashboards for management review.
- Assist in the development and refinement of credit policies and procedures.
- Participate in audits and implement corrective actions as needed.
- Bachelor's degree in Finance, Economics, Business Administration, or related field.
- Minimum 2 years of experience in credit analysis or loan underwriting within BFSI.
- Strong understanding of credit risk metrics, financial statement analysis, and regulatory frameworks.
- Proficiency in MS Excel and credit assessment tools; experience with CRM systems is a plus.
- Excellent communication and interpersonal skills for effective customer interaction.
- Detail‑oriented with strong analytical and problem‑solving abilities.
- Ability to work independently and as part of a cross‑functional back‑office team.
- Knowledge of Indian banking regulations and compliance standards.
- High level of integrity and confidentiality in handling sensitive financial data.
- Professional certifications such as CCA, ICA, or CFA are advantageous.