Credit Analyst

3 days ago


Gurgaon, Haryana, India Astranova Mobility Full time ₹ 9,00,000 - ₹ 12,00,000 per year

Responsibilities:

  • Customer Credit Underwriting : Perform comprehensive credit analysis of the customer and create a standardized credit report for management review and approval.
  • Customer Background Verification Analysis : Analyzing customer field inspection done via inhouse teams/third party, verifying through tele-verification and creating final CAM (Credit Assessment Memo) for management review and approval.
  • MIS and Portfolio Health Management : Creating regular MIS and portfolio health reports to monitor and actively find early warning signs, and constantly optimizing underwriting methods accordingly.
  • Process Building and Automation : Building, automating and productizing credit processes, to reduce overall turn around time.
  • Crossfunctional Collaboration : Working closely and supporting on ground sales & operations teams, and with other central teams.
  • Customer NPS : Ensuring best possible experience for the end customer.

Qualifications:

  • A bachelor's degree from a reputed university, finance specific professional qualifications/certification is a plus.
  • Work experience of 2+ years in retail credit underwriting is mandatory. Experience specific to loans in the automotive industry is a plus.
  • Experience in creating MIS, Portfolio Management including reports is required.
  • Ability to build, scale and improve processes and solve complex problems, working in a dynamic and agile environment.
  • Excellent communication, and interpersonal skills.
  • Proficiency in Microsoft Office Suite and CRM software.

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