Credit Risk Analyst
Job opening at Mumbai
Location
Mumbai
Address
Mumbai
Employment
Full Time
Qualification
Any Graduate
Payment
300000 to 500000
Date Posted
2024 Aug,23
HR
Harish Sondhiya
Contact
harish.sondhiya@white-force.in
Mobile
91719 30707
Job description
Responsibilities:
- 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.
Requirements:
- Any Graduate with Experience in similar Role for 2 years plus - MBA/CA preferred
- Demonstrable experience in NBFC/Banks for not less than 2 years in Unsecured Loans, Auto Loans, Credit Cards etc
- Proven experience in Unsecured loans - Business (SME) especially in Fintech start-up
- Strong control and understanding of MIS – using - MS EXCEL including VLOOKUP & HLOOK UP etc
- Analytical bent of mind & strong judgmental attributes
- Excellent Communication and negotiation skills
- Flexible for a 6-day-a-week working structure (10 am to 7 pm)
Job requirements
- Experience: 2 to 4 Year.
- Education : Any Graduate
- Specilization : Any Graduate...
-
Skills :
- Industry Type : Banking / Financial Services / Broking
- Status : Not Disclose.