1) Credit Risk Monitoring & Control
- Monitor credit exposures and ensure adherence to approved credit limits
- Track portfolio performance and identify emerging risks or deteriorating accounts
2) Credit Review & Analysis
- Review credit applications for risk accuracy and policy compliance
- Assess financial statements, creditworthiness, sales forecast etc.
- Support credit approval process with risk-based recommendations
- Approve Customer Master data after in-depth analysis
3) Reporting & Documentation
- Prepare and report various MIS reports
- Prepare periodic reports on portfolio quality, limit utilization, risk indicators, delinquency trends
- Highlight high-risk exposures, breaches and report exceptions to senior management
- Have thorough knowledge of documentation for Proof of Export (“POE”)
required in SEZ/DTAA/Merchandise Exports
- Have knowledge of bank disposal instructions for export realization
- Have knowledge of foreign payment terms
4) Coordination & Stakeholder Engagement
- Work closely with internal team, Marketing team(s) and auditors
- Support internal and external audits
Key Skills & Competencies
- Robust analytical and financial modelling skills
- Knowledge of credit risk principles, Expected Credit Loss
- Understanding of credit processes
- Strong ability to detect inconsistencies and report to Senior
- Good communication, reporting, and documentation skills
- Ability to work under pressure and manage tight deadlines