The Credit Review Senior Consultant will work within the Credit Review team, serving as a third line of defense.

The team independently verifies and validates credit underwriting and lending processes, ensuring accuracy and compliance with internal and external standards.

The role requires a deep understanding of the credit lifecycle, including acquisition, customer management, and collections, as well as a high-level comprehension of P&L; and risk concepts.

Key Responsibilities:

- Credit Underwriting and Lending Review:
- Independently review and validate credit underwriting and lending practices.
- Ensure compliance with internal policies and regulatory standards.
- Collaborate with the first and second lines of defense to gather necessary information and validate methodologies.
- Quarterly Reviews and Monitoring:
- Conduct ongoing quarterly reviews of credit portfolios and risk assessments.
- Monitor credit risk metrics and report findings to senior management.
- Identify areas for improvement and recommend corrective actions.
- Internal Audit (IA) Examinations:
- Assist in responding to IA examinations conducted by regulators and external auditors
- Collect, analyze, and summarize data to support audit responses.
- Prepare documentation, including data reports, presentations, and summaries, for audit purposes.

Desired Skills, Experience and Qualifications:

- Experience:




- 6+ years of relevant experience in Analytics and Data Science with an in-depth exposure in Banking domain
- Solid analytical skills with proficiency in application of statistical analysis
- Proven experience in credit underwriting, lending, and risk management.
- Familiarity with the entire credit lifecycle, including acquisition, customer management, and collections.
- Experience in internal audit, credit reviews, or similar roles, particularly in financial institutions or consulting firms
- Technical Skills:
- Proficiency in SQL, Python, PySpark, and Snowflake SQL.
- Experience with Databricks for running Python notebooks and data analysis.
- Strong analytical and problem-solving skills.

Preferred Qualifications:

- Experience in conducting independent reviews and audits.
- Understanding of internal audit methodologies and regulatory requirements.
- Experience working with risk management frameworks and tools.

Key Competencies:

- Strong attention to detail and accuracy.
- Excellent communication and interpersonal skills.
- Ability to work independently and as part of a team.
- Proactive in identifying risks and proposing solutions.
- Capable of managing multiple tasks and priorities effectively.

Location: Bangalore

Required Skill Profession

Financial Specialists

📌 Credit Review Consultant Sr (Bangalore Division)
🏢 Saaki Argus And Averil Consulting
📍 Bangalore Division