Credit Risk Analyst

12 hours ago

Mumbai, Maharashtra, India Virtual CFO Full time ₹ 20,00,000 - ₹ 30,00,000 per year

Key Responsibilities

Credit Risk Analyst

Policy Risk & Risk Framework

  • Formulation, review, and evaluation of credit policies in coordination with Credit and Business teams.
  • Present finalized policies along with Seniors to the Chief Risk Officer (CRO) for approval.
  • Ensure policies are aligned with regulatory guidelines and internal risk appetite.
  • Maintain comprehensive documentation and version control of all policy changes.
  • Develop and publish Portfolio Quality Reports (PQRs) to track and monitor asset quality.
  • Create and automate risk analytics reports and dashboards, including user acceptance testing (UAT) before implementation.
  • Conduct stress testing and identify early warning signals through data-driven insights.

Credit Risk Management

  • Provide oversight on credit decisions, sectoral risk appetite, and underwriting frameworks.
  • Lead discussions on segment-specific credit strategies and risk-return trade-offs.

Credit Process Review & Governance

  • Conduct end-to-end credit process reviews to ensure risk controls, operational efficiency, and regulatory compliance.
  • Undertake location and vendor visits as part of credit process validations and risk assessments.
  • Recommend process improvements based on field insights and best practices.

Other Projects & Cross-functional Initiatives

  • Drive cross-functional initiatives with Business and Credit teams related to risk and policy integration in technology platforms.
  • Collaborate with product, operations, and technology for seamless implementation of risk policies across systems.

______________

Key Requirements

Education

  • CA, MBA, FRM, CFA, or other relevant professional certifications as an advantage

Experience

  • 5 to 8 years of experience in Credit Risk, Policy Risk, Portfolio Risk in SME lending, preferably in a bank, NBFC, or fintech.

Skills

  • In-depth understanding of SME risk profiles, underwriting frameworks, and regulatory landscape.
  • Strong skills in stakeholder management, cross-functional collaboration, and policy articulation & data analytics.

Job Type: Full-time

Pay: ₹2,000, ₹2,500,000.00 per year

Work Location: In person

  • Credit Risk Analyst

    2 weeks ago

    Mumbai, Maharashtra, India Kotak Mahindra Bank Full time ₹ 6,00,000 - ₹ 18,00,000 per year

    Team Member-SUPPORT SERVICES-Credit Industry Research Grade M3/M4/M5 Role Team Member - Credit Risk Analyst Department Risk Management Reporting Relationship Team Lead – Credit Risk Location Mumbai Role Requirements Credit Risk Analytics and Modelling – Analyse, model, validate and document various measures of Credit Risk for use in Expected...

  • Credit Risk Analyst

    4 days ago

    Mumbai, Maharashtra, India Citi Full time ₹ 6,00,000 - ₹ 18,00,000 per year

    The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties...

  • Wholesale Credit Risk Analyst

    2 weeks ago

    Mumbai, Maharashtra, India Citi Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Whether you're at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you'll have the opportunity to expand your skills and make a difference at one of the world's most global banks. We're fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure...

  • Credit Risk Senior Analyst

    2 weeks ago

    Mumbai, Maharashtra, India Citi Full time ₹ 20,00,000 - ₹ 25,00,000 per year

    Whether you're at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you'll have the opportunity to expand your skills and make a difference at one of the world's most global banks. We're fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure...

  • Credit Analyst

    1 week ago

    Mumbai, Maharashtra, India BNP Paribas Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Job Title: Manager Credit AnalystDepartment: Coverage and Territories Credit Management (CTCM)Location: MumbaiBusiness Line / Function: CIBReports to: Team Lead Credit AnalystsPosition PurposeThis role is responsible for performing credit analysis of MNC clients and recommendation for corporate advances with a view to minimize credit losses and promote...

  • Wholesale Credit Risk Analyst

    2 weeks ago

    Mumbai, Maharashtra, India Citi Full time ₹ 1,04,000 - ₹ 1,30,878 per year

    Whether you're at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you'll have the opportunity to expand your skills and make a difference at one of the world's most global banks. We're fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure...

  • Data Scientist/Risk Modeling Analyst

    1 week ago

    Mumbai, Maharashtra, India ACER Credit Rating Pvt. Ltd. Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Job Title: Data Scientist (Finance & Statistics)Location: BKC, MumbaiDepartment: Credit Risk ModelingReporting To: Team LeadEmployment Type: Full-timePreferred Availability:Immediate Joiner**Preference will be given to candidates who can join immediately**Position OverviewAt ACER Credit Rating, we are dedicated to providing transparent, independent, and...

  • Credit Analyst

    7 days ago

    Mumbai, Maharashtra, India Intellectual Capital Hr Consulting Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Credit Analyst - Wholesale Lending - SMEPreparation of Credit Appraisal notes for SME clients.Discuss with business on Terms and Conditions for risk assessmentsDiscuss with customers for obtention of information for preparation of CRANs.Monitor the accounts based on the terms stipulated by Sanctioning Authority.Prepare Monthly/Quarterly Monitoring Reports...

  • Credit Risk Analytics Inmd Analyst

    1 week ago

    Mumbai, Maharashtra, India Citi Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties...

  • Credit Analyst

    18 hours ago

    Mumbai, Maharashtra, India Barclays Full time ₹ 1,00,00,000 - ₹ 3,00,00,000 per year

    Join us as a "Credit Analyst VP" at Credit trading team at Barclays is a team that focuses on trading corporate credit. The Asia Special Situations desk focuses on credit trading opportunities in Asia.To be a successful "Credit Analyst VP" - The candidate would mainly cover Asia region supporting the onshore primary credit analyst in analysing companies for...