Position Description

- Perform in‑depth reviews of credit applications for SME / Corporate customers.

Evaluate financial models, financial statements, borrower profiles, cash-flow summaries, borrower repayment capacity.

Validate internal credit ratings, risk grades, and credit structures for accuracy.

Conduct comprehensive reviews of loan accounts to assess account conduct, repayment trends, and compliance with sanctioned terms.

Analyze utilization patterns, covenant compliance, documentation completeness, and collateral sufficiency.

Support internal audit, regulatory inspections, remediation actions, and quality assurance exercises.

Prepare and maintain high‑quality credit review documentation that meets regulatory standards and Standard operating procedure.

Support periodic portfolio reviews and Onshore Relationship Manager in assessing creditworthiness using internal rating models and risk scoring tools.

Review and keep up to date, and fully abide by the process operational and administrative procedures and ensure process compliance

Review adherence to internal credit policies and underwriting standards.

Recommend improvements to credit frameworks, rating methodologies, and control processes.

Assist in developing checklists, review templates, and workflow enhancements.

Guide junior analysts in performing credit review analysis.

Allocate workloads, ensure timely completion of reviews, and maintain high-quality execution.

Conduct performance reviews, identify skill gaps, and build capability within the team.

Leads team in the achievement of project milestones and team goals To oversee the day-to-day activities of a group of employees

Coaches, motivates and guides team members





Utilizes best practice processes around work assignments, Project management and quality of output while maximizing overall team’s performance To improve efficiency, quality and services of ongoing projects/processes

Significant portion of time still spent on performing work of the team

Regularly review the work of team members

Identifies opportunities for improvement; recommends possible training opportunities

Ensures team is meeting or exceeding contractual and service level obligations to customers

Collects customer’s needs and translates to appropriate solutions

Interacts with customers and internal departments to resolve issues

Ensures accurate and timely processing of transactions to meet and exceed customer SLA

Acting as the Subject Matter Expert for the team

Conducting & leading the training programs based on business needs

Attending team meetings and customer calls to gather feedback and updatesGeneral duties

5+ Years of experience in Banking BPO is preferred University degree or equivalent that required 3+ years of formal studies of the Accounting & Commerce Graduates

Minimum of 2 years of Team handling is a Mandatory

Excellent understanding or an SME of Credit Review process

Expertise in financial analysis, risk grading, and credit underwriting.

Excellent report-writing, analytical thinking, and stakeholder communication skills.

Excellent people management and interpersonal Skills

Excellent Oral & Communication skills

Ability to work in required shifts.

Ability to communicate (oral/written) effectively in English to exchange information with our client.

ICWA or CA Certification (Valuable to have)

Preparing for ICWA or CA (Preffered)

📌 Banking Operations Senior Analyst (Chennai)
🏢 NTT DATA Services
📍 Chennai