Credit Risk Analyst

Responsibilities:

- Manage the end-to-end credit risk program, including credit underwriting for larger ticket size unsecured loans, with a thorough understanding of supply chain financing products such as dealer financing, vendor financing, invoice discounting

- Analyze both intangible and tangible data, including a credit data and financial statements, to determine the creditworthiness of new and existing customers, dealers, and suppliers

- Develop and implement credit risk policies and procedures

- Monitor credit limits and recommend changes as needed to minimize NPAs and maximize returns

- Gather and maintain accurate records of credit assessments and customer information

- Conducting quarterly, semi-annual, and annual reviews of existing customers, dealers, and suppliers and revaluating credit limits based on credit transactions and financial strength

- Collaborate with cross-functional teams to address escalations and new opportunities and develop risk mitigation strategies

- Develop and maintain relationships with customers to support credit decisions and manage credit risk

- Continuously monitor and evaluate credit risk management practices to ensure effectiveness and compliance with regulations

The Successful candidate must have:

- Minimum of 3 years of post qualification experience in credit risk analysis, preferably in an NBFC/Fintech/Banking for both SMEs and corporates

- Handled large ticket-size loan products (at least 50 lakhs) such as unsecured business loans, invoice financing, vendor and dealer financing