Role of Credit Risk Associate

We at Khatabook are creating a team of kickass people in our business loans vertical. This team is working on enabling financial services to

Indias huge MSME segment which has been neglected till now by traditional players.We have already made significant headway by creating creative solutions tailor-made for manufacturers,

distributors, and retailers. As a part of the Lending team, you would work and create a strategy for a 100x journey from the current stage.

Responsibilities

1. Loan Application Assessment: Review and analyze business loan applications, credit reports, financial statements, and supporting documents.

Analyzing bank statements & financial statements to determine the borrowers suitability.

Assess the overall creditworthiness of businesses applying for loans.

2. Risk Analysis: Conduct comprehensive risk analysis, identifying potential risks and mitigating factors.

Determine appropriate loan structures, terms, and conditions based on risk assessment.

3. Policy Adherence:



Ensure that all loan applications adhere to company lending policies and guidelines.

Stay updated on regulatory changes and industry best practices related to business lending.

Maintain strict confidentiality of sensitive borrower information.

4. Documentation and Reporting:

Maintain detailed records of underwriting decisions, assessments, and communications.

Generate reports on underwriting activities and performance metrics as required.

Participate in periodic audits and quality control processes.

What are we looking for

Minimum of 1-3 years of experience in business loan.

Highly organized and able to multitask.

Self-driven and proactive nature.

Demonstrate leadership qualities.

High computer literacy and ability to learn new software.

Curious with a passion for learning.

A keen problem solver.

Strong verbal and written communications.

Passion for working in an agile work experience.

Ability to successfully work in a team-oriented, highly collaborative environment.

📌 Credit Risk Associate (Bengaluru)
🏢 Khatabook
📍 Bengaluru