Credit

Credit Analyst

Bengaluru   |   Full Time

Job Description - Credit AnalystThe candidate will be working on end-to-end credit underwriting activities like risk assessment, personal discussion, portfolio monitoring and work closely with the business and operations team to ensuring the portfolio is performing as per internal benchmarks

.Responsibilities:

  • Understand customer requirements and analyze cases in alignment with credit policies.
  • Underwriting deals independently and recommend same as per hierarchy.
  • Adhering to a strict TAT without compromising on credit quality.
  • Work with the policy team to ensure the right risk parameters are captured and assessed.
  • Understand industry and regulatory trends and their impact on customers to ensure the right decisions are taken.
  • Work closely with internal stakeholders for quick resolution of queries and ad-hoc requests.
  • Develop industry-best practices and constantly strive to improve the same basis market practices.

Requirements:

  • Experience in working on the lending business with a Bank, NBFC, or Fintech companies.
  • Knowledge of analyzing financial statements.
  • Understanding of industry trends and their impact on segments.
  • Setup basic credit underwriting processes and scale up the vertical.
  • Ability to assess customers' basis standard programs like Financials, Banking, etc.
  • Proficient in MS Word and Excel and the ability to bring out insights from data.
  • Working knowledge of platforms like Probe, MCA website, GST website, Bank statement analysis tools like Perfios, Finbit etc.
  • High attention to detail with a commitment to accuracy & completeness.

Candidate Profile:

  • Bachelor's Degree with relevant work experience of at least 3 years with CA/MBA (preferred).
  • Excellent communication - both verbal and written

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