**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 updates **General 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 (Positive to have) + Preparing for ICWA or CA (Preffered)

📌 Banking Operations Senior Analyst (Chennai)
🏢 NTT America
📍 Chennai