Credit Wise Capital
3 weeks ago
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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