Senior Credit Risk Professional

3 days ago


Mumbai, Maharashtra, India beBeeRisk Full time ₹ 8,00,000 - ₹ 15,00,000

Job Description:

We are seeking an experienced Credit Analyst to join our team. The ideal candidate will have a strong background in financial analysis, with the ability to appraise credit worthiness and conduct thorough customer discussions.

Responsibilities:

  • Appraise the credit worthiness of borrowers through financial analysis, market reference checks, dedupes, bureau checks, MCA checks, auditor's reports, and GST returns.
  • Conduct customer discussions and unit visits to ensure a thorough understanding of the business.
  • Ensure adherence to bank credit policies and programs approved by designated authorities or committees.
  • Validate IMAC credit ratings or scorecards.
  • Classify PSL based on fixed asset schedules.
  • Update MIS with proposal details, risk, business TAT, and scores for analytics.
  • Recommend or approve deviations and deferrals based on individual proposal merits.
  • Timely review and renew proposals submitted by relationship teams.
  • Capture email approvals from approvers and send to CAD for FL generation and disbursement.
  • Dispatch customer files to outsourced storage agencies and share lists with CAD.
  • Retrieve files from storage agencies for audits.
  • Review stock audit reports and statements.
  • Audit balance sheets.
  • Assign CAM grades.
  • Facilitate internal and external audits, as well as hind-sighting activities by risk analysts.


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