Credit Risk Analyst

Job description

• 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.