Credit Wise Capital

4 weeks ago

Mumbai, Maharashtra, 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.

(ref:iimjobs.com)

  • Credit Wise Capital

    4 weeks ago

    Mumbai, Maharashtra, India credit Wise Capital Pvt Ltd Full time

    Key Responsibilities: - Design and deliver training programs for Sales (Two-Wheeler Loans, Car Loans, CV Loans) and Collections teams. - Conduct Induction Training for new joiners on products, processes, sales techniques, and collection strategies. - Develop training modules, manuals, and assessments tailored for on-ground teams and telecalling staff. -...

  • Credit Wise Capital

    4 weeks ago

    Mumbai, Maharashtra, India credit Wise Capital Pvt Ltd Full time

    Role Overview:As the Digital Marketing Manager, you will be responsible for leading and executing end-to-end digital marketing strategies to drive customer acquisition, brand visibility, and engagement across digital platforms. You will work closely with internal teams and external agencies to build a scalable digital presence and drive measurable ROI.Key &...

  • Credit Manager

    4 weeks ago

    Mumbai, Maharashtra, India Vivriti Capital Full time

    About Vivriti GroupVivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises. The group operates through two core businesses:Vivriti Capital Limited: A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI). Vivriti Capital has...

  • Credit Manager

    4 weeks ago

    Mumbai, Maharashtra, India Vivriti Capital Full time

    About Vivriti Group Vivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises.The group operates through two core businesses: Vivriti Capital Limited: A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI).Vivriti Capital has...

  • Credit Manager

    4 weeks ago

    Mumbai, Maharashtra, India Vivriti Capital Full time

    About Vivriti GroupVivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises. The group operates through two core businesses:Vivriti Capital Limited: A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI). Vivriti Capital has...

  • Credit Manager

    4 weeks ago

    Mumbai, Maharashtra, India Vivriti Capital Full time

    About Vivriti Group Vivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises. The group operates through two core businesses: Vivriti Capital Limited: A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI). Vivriti Capital has...

  • Credit Manager

    4 weeks ago

    Mumbai, Maharashtra, India Vivriti Capital Full time

    About Vivriti Group Vivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises. The group operates through two core businesses: Vivriti Capital Limited: A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI). Vivriti Capital has...

  • Credit Manager

    3 weeks ago

    Mumbai, Maharashtra, India Vivriti Capital Full time

    About Vivriti Group Vivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises.The group operates through two core businesses: Vivriti Capital Limited: A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI).Vivriti Capital has...

  • Credit Manager

    1 week ago

    Mumbai, Maharashtra, India Vivriti Capital Full time

    About Vivriti GroupVivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises. The group operates through two core businesses:Vivriti Capital Limited: A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI). Vivriti Capital has...

  • Credit Manager

    4 weeks ago

    Mumbai, Maharashtra, India Godrej Capital Full time

    Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments...