Credit Analyst
4 days ago
Key Responsibilities:
- Evaluate creditworthiness of loan proposals submitted by the retail sales team.
- Analyze financial documents including income statements, bank statements, ITRs, and CIBIL reports.
- Perform risk assessment on customers applying for personal loans, business loans, or other retail financial products.
- Prepare detailed credit appraisal memos and present findings to the credit committee.
- Ensure compliance with internal credit policy and RBI/NBFC regulatory norms.
- Monitor portfolio performance and recommend actions for delinquent accounts.
- Coordinate with sales, operations, and legal teams for smooth credit evaluation process.
Desired Candidate Profile:
- Graduate/Postgraduate in Finance, Commerce, Economics, or related field.
- 2–5 years of experience in credit analysis, preferably in the retail segment (personal loan, business loan, consumer finance, etc.) within an NBFC or financial institution.
- Strong understanding of retail lending products, credit underwriting, and risk analysis.
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