Location Name: Patna Job Purpose Credit Analyst for sourcing MSME working capital loans for Small Business lending vertical To Review & Evaluate Credit proposals created by team for MSME deals involving Term Loans, working capital limit CGTMSE backed limit, Purchase Bill Discounting

Complete ownership of assigned portfolio of accounts including regular monitoring, early warning identifications (EWIs), deferral tracking and working on appropriate account strategy in conjunction with Business and Risk teams in line with the BFLs’ risk appetite Duties And Responsibilities Appraisal of Proposal: Review credit proposals (CAMs /Interim CAMS /Ad-hoc CAMs) submitted by Credit managers teams on assigned set of accounts and assess the risk involved comprehensively.

Convey a clear opinion regarding the feasibility of the proposed transaction/ proposed facilities, from risk point of view, covering business model, industry risk, structure, and financial risk.

Awareness of the product proposed and suitability to the client needs

Reviewing Complete / accurate CAM's / Coverage and Intensity of Diligence & Adherence to Credit Policy and extant regulatory guidelines

Compliance of underwriting process and liaising with Valuation & Legal Agencies for collateral assessment.

Ensuring adherence to pre-defined TAT and Delegation of Authority for credit appraisals

Gathering market intelligence and sharing with the risk policy team & getting them incorporated in the policy programs for improvement in portfolio health & business growth.

Market Research and Feedback for credit policy and new product launch based on market conditions.

Portfolio Monitoring





Ongoing monitoring of accounts including tracking developments in the industry and the account to identify stresses early and work with Credit Monitoring business teams in devising appropriate mitigation strategies wherever required.

Reviewing cases suggested by Central Monitoring Unit as per action staircase, engaging further with RM’s and clients for evaluation.

Independently manage C-level and VP-level client executives both internally and externally; Appropriate level of client calling to develop solid understanding of client business and industry dynamics

Management Reporting – presentation to the management on a monthly basis and rapid portfolio review on a quarterly basis Team Management Foster a cohesive and high-performing team by promoting collaboration, knowledge sharing, and continuous learning, with a strong focus on industry expertise.

Providing the team with an encouraging atmosphere whereby the individuals can work independently.

Review the CAMs for the team and ensuring factual accuracy and confirming the BFL approved policy.

Collaboration With The Stakeholders To interact with the relationship managers pro-actively to assess the main risks and propose mitigants, at various stages of credit process.

Suggesting policy changes or Program related developments to Risk Counterparts, if required

Engaging with Business,



Central Monitoring & Risk Team, Operations Team, Legal, and other stakeholders (collateral agencies) as appropriate for all credit processes

Liaison with COE team for process enhancement and system enablement. Key Decisions / Dimensions Recommendation- Engaging with Business Team for onboarding of clients and setting up exposure limits

Recalibration: Alignment with the Business Team for right-sizing and down-sizing of the portfolio based on the recommendations from Portfolio Monitoring Team, External Environment & Credit health of the clients.|

Engaging with Business Team to ensure to meet its AOP targets

Managing Early MOB cases

Maintain portfolio hygiene

Ensuring Nil Losses in the Book Major Challenges The NBFC segment is susceptible to regulatory and legislative risks

Limited Product Suite for a Corporate Borrower considering the vast NBFC space Required Qualifications And Experience Qualifications CA/CFA or MBA in Finance Key Skills Strong credit assessment skills preferably in SME + Mid Corporate Segment

Expert knowledge in analyzing Financial Statements & Collaterals w.r.t Legal Clearance and Valuations.

Banking Product & Process Knowledge

Understanding of accounting principles and Regulatory Knowledge

Excellent knowledge of competition & current trends in financial Industry

Strong written and verbal communication skills

Work Experience

Overall 6-8 years in credit and risk management in SME Wholesale or Retail credit with minimum 6 years of experience in business banking from reputed financial institutions

Exposure to Banking/ Credit Rating Agencies

📌 Cluster Manager - Business Loans - Underwriting East (Patna)
🏢 Bajaj FinServ
📍 Patna