Credit Review Consultant

3 hours 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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