Credit Wise Capital

3 weeks ago

Mumbai, India credit Wise Capital Pvt Ltd Full time

Job Title:- Risk Analyst - Two Wheeler Finance

Department:- Risk & Credit

Reporting To:- Manager / Head - Risk & Credit

Role Overview-

The Risk Analyst will be responsible for assessing, monitoring, and mitigating credit and operational risks in the two-wheeler loan portfolio. The role involves analyzing borrower profiles, developing risk models, identifying early warning signals, and ensuring adherence to credit policies and regulatory guidelines.

Key Responsibilities-

1. Credit Risk Assessment-

- Evaluate creditworthiness of customers using financial data, credit bureau reports, and internal scoring models.

- Assess dealer and DSA risk profiles to ensure quality sourcing.

- Review high-value and exception-based loan proposals for approval recommendations.

2. Portfolio Monitoring & Analysis-

- Track and analyze portfolio performance at product, region, and dealer levels.

- Identify delinquency trends, early warning signals, and high-risk segments.

- Prepare monthly MIS and risk reports for senior management.

3. Policy & Process Adherence-

- Ensure loan approvals comply with internal credit policy and regulatory norms.

- Suggest modifications to credit policy based on market changes and portfolio performance.

- Conduct periodic audits of credit files and underwriting processes.

4. Risk Modelling & Data Analytics-

- Develop and maintain risk scoring models for customer segmentation.

- Use statistical tools and data analytics to predict default probabilities and optimize approval rates.

5. Fraud Detection & Prevention-

- Identify and investigate suspicious transactions or applications.

- Liaise with operations, sales, and collections teams for risk mitigation measures.

6. Cross-functional Collaboration-

- Work closely with sales, operations, and collections teams to maintain asset quality.

- Provide risk-related insights to help in product design and process improvements.

Qualifications & Experience-

- Bachelor's/Master's degree in Finance, Statistics, Economics, or related field.

- 2-5 years of experience in credit risk analysis, preferably in NBFC/banking sector.

- Prior exposure to two-wheeler or consumer finance portfolio preferred.

- Knowledge of credit bureaus (CIBIL, Equifax, etc.) and financial statement analysis.

- Familiarity with RBI/NBFC regulatory guidelines.

Skills & Competencies-

- Strong analytical and quantitative skills.

- Proficiency in MS Excel, Power BI, SQL (added advantage).

- Excellent communication and presentation skills.

- Attention to detail and high ethical standards.

- Ability to work under pressure and meet deadlines.

Key Performance Indicators (KPIs)-

- Portfolio delinquency ratio (PAR, NPA levels).

- Accuracy of risk assessment and approval decisions.

- Effectiveness of early warning systems.

- Timeliness and quality of risk reporting.

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