Understanding of financial statements, Bank statements, key Financial Ratios, Working capital management, FOIR, DBR, Multipliers, etc. Ability to judge the customer profile and identify his/her eligibility basis data provided Experience of working and evaluating Bureau reports (CIBIL, Experian, CRIF, etc.) Good Understanding of various loan products Strong analytical skills and detail oriented to understand the business model of the borrower. Ability to explain complex information clearly and rationally. Forward request beyond the statutory limit to the HO Manage external agents involved in the verification process Co-ordinate with the recoveries team and generate business insights. Responsible for fraud management and risk mitigation activities Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. To evaluate proposals of customers for LAP and BL Decision making within defined TAT
