Credit Review Consultant

3 weeks ago

Bangalore Division, India Saaki Argus & Averil Consulting Full time

The Credit Review Senior Consultant will work within the Credit Review team, serving as a third line of defense. The team independently verifies and validates credit underwriting and lending processes, ensuring accuracy and compliance with internal and external standards. The role requires a deep understanding of the credit lifecycle, including acquisition, customer management, and collections, as well as a high-level comprehension of P&L and risk concepts.


Key Responsibilities:


  • Credit Underwriting and Lending Review:
  • Independently review and validate credit underwriting and lending practices.
  • Ensure compliance with internal policies and regulatory standards.
  • Collaborate with the first and second lines of defense to gather necessary information and validate methodologies.
  • Quarterly Reviews and Monitoring:
  • Conduct ongoing quarterly reviews of credit portfolios and risk assessments.
  • Monitor credit risk metrics and report findings to senior management.
  • Identify areas for improvement and recommend corrective actions.
  • Internal Audit (IA) Examinations:
  • Assist in responding to IA examinations conducted by regulators and external auditors
  • Collect, analyze, and summarize data to support audit responses.
  • Prepare documentation, including data reports, presentations, and summaries, for audit purposes.


Desired Skills, Experience and Qualifications:


  • Experience:
  • 6+ years of relevant experience in Analytics and Data Science with an in-depth exposure in Banking domain
  • Strong analytical skills with proficiency in application of statistical analysis
  • Proven experience in credit underwriting, lending, and risk management.
  • Familiarity with the entire credit lifecycle, including acquisition, customer management, and collections.
  • Experience in internal audit, credit reviews, or similar roles, particularly in financial institutions or consulting firms
  • Technical Skills:
  • Proficiency in SQL, Python, PySpark, and Snowflake SQL.
  • Experience with Databricks for running Python notebooks and data analysis.
  • Strong analytical and problem-solving skills.


Preferred Qualifications:

  • Experience in conducting independent reviews and audits.
  • Understanding of internal audit methodologies and regulatory requirements.
  • Experience working with risk management frameworks and tools.


Key Competencies:

  • Strong attention to detail and accuracy.
  • Excellent communication and interpersonal skills.
  • Ability to work independently and as part of a team.
  • Proactive in identifying risks and proposing solutions.
  • Capable of managing multiple tasks and priorities effectively.


Location: Bangalore

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