Financial Credit Strategist

10 hours ago


India Protium Full time

At Protium, we are seeking a skilled Financial Credit Strategist to join our team.

About the Role

This is a challenging position that requires strong analytical skills and excellent decision-making abilities. As a Financial Credit Strategist, you will be responsible for assessing business loan applications and making informed decisions about credit approval.

The ideal candidate will have a minimum of 2 years of experience in unsecured business loans or be a CA fresher. A basic understanding of KYCs, regulatory reforms related to GST, Income Tax, and other relevant areas is essential.

Key Responsibilities
  • To appraise or underwrite business loans within defined policy guidelines and make timely decisions.
  • To conduct personal discussions with customers to understand and analyze risk in their business and financial situation.
  • To assess income, ability, intention, business sustainability, and credit behavior through income documents, reference checks, and credit bureau checks.
  • To verify legal and technical reports to identify potential risks or critical points impacting loan proposals.
  • To analyze audited or certified financials to determine loan eligibility and prepare credit approval memoranda.
  • To manage the entire credit assessment process from origin to activation.
  • To ensure adherence to company policies and procedures.
  • To liaise with sales teams to proactively address client issues and structure suitable products during customer interactions.
Requirements
  • Analytical mindset and strong judgmental attributes.
  • Good organizational discipline and a thirst for efficiency.
  • Strong presentation skills.
  • Enthusiasm and dedication.
Education and Qualifications

Candidates should possess a full-time MBA degree or be CA freshers.

Compensation and Benefits

We offer an estimated salary of ₹12,00,000 per annum, commensurate with experience. This role also comes with a range of benefits, including opportunities for growth and development within the company.



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