You will report to the Head of Credit. Your responsibilities will include managing team of Credit Analysts and ensure due implementation of credit policies and processes while carrying out Credit function i.e. evaluating the financial state of potential customers, performing risk assessments, writing detailed reports, portfolio analysis, MIS management, regulatory reporting and any other work from time to time as per the instructions from the seniors/management.
Roles amp; Responsibilities:
- Comprehensive analysis of credit proposals, financial statements, performance, projections and other information to assess the credit worthiness of the entity.
- Ongoing monitoring of the portfolio analyzing credit risks at the transactional and portfolio level.
- Identification of Early Warning Signals for signs of stress in portfolio companies and working with business team in devising appropriate mitigation strategies, wherever required. Ensuring understanding of the risks and opportunities for each credit exposure across the Portfolio.
- Working with the Head of Credit to monitor amp; update credit policy to optimize for company risk, profitability, and growth targets. You will ensure an effective credit risk management programme is in place, by establishing the framework for risk management and driving consistent standards.
- Conducting ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts.
- Engaging with Credit Administration (operations), Legal, Audit, Compliance, Tech and other stakeholders as appropriate for all credit processes.
- Creating CAMs amp; reports to be sent to be presented to CC Committees and the Lenders and ensuring that documents are consistent and uphold to the Internal / Lender’s credit policies and standards.
- Leading team of Credit Analysts and guide them to drive efficiency and accuracy in the credit policies and credit assessments being carried out.
- Actively participate in discussions to present your ideas to the senior members and help them make balanced decisions.
- Mapping developments in the Rural economy and understanding implications of the latest trends on the portfolio and credit decisions.
- Active coordination with a cross functional team for product level development and ensure 100% digitization of the entire credit process.
- Adherence to the timelines and compliance as per the SOP and senior management.
Requirements
Must Have:
- CA or MBA in Finance from a premier Institute
- 3 to 5 years of experience in credit assessment/evaluation with Banks/NBFC/Start-ups/Credit rating agency.
- Knowledge of Unsecured loan products i.e. Supply chain finance, Dealer Finance, business loans etc. is mandatory
- Hands on experience in Excel; you love working with numbers and are analytical in your approach towards any issue at hand.
Good to have:
- Currently managing team of Credit analyst in Banks/NBFC/Fin-tech will be an added advantage
- Good Analytical, Organizational and Communication skills
- Ability to work under pressure in a high churning environment and deliver quality research output on time. You can work well in collaborative environments and can perform individually when required.
- You have a solid grasp of financial analysis and risk models.