Description
Job Description
Team Member - Credit Monitoring
Designation:
Team Member - Credit Monitoring

Department:
Credit Monitoring

Location:
As per business requirement

Reporting To:
Manager / Senior Manager - Credit Monitoring

About The Role
The Team Member - Credit Monitoring will be responsible for monitoring the health of the credit portfolio, conducting credit analysis, identifying early warning signals, tracking delinquency trends, and ensuring adherence to internal credit policies and regulatory guidelines. The role requires close coordination with Credit, Risk, Business, Collection, and Operations teams to proactively manage portfolio quality and mitigate credit risk.

Key Responsibilities
Credit Analysis & Portfolio Monitoring
- Conduct detailed financial and credit analysis of existing borrower accounts.
- Monitor portfolio performance through regular review of financial, operational, and repayment indicators.
- Assess borrower performance against approved credit parameters and covenants.
- Analyze financial statements, cash flows, banking behavior,



and business performance.
- Prepare portfolio review reports highlighting key observations and risk indicators.

Risk Monitoring & Early Warning Detection
- Identify and track Early Warning Signals (EWS) across borrower accounts.
- Monitor account irregularities, overdue trends, declining business performance, and adverse market developments.
- Escalate potential risk cases in a timely manner to relevant stakeholders.
- Recommend risk mitigation measures and corrective actions.

Credit Review & Compliance
- Ensure compliance with approved credit terms, internal policies, and regulatory requirements.
- Conduct periodic account reviews and portfolio audits.
- Track documentation, credit covenants, and regulatory compliance requirements.
- Support internal and external audit processes.

MIS & Reporting
- Prepare and present periodic portfolio monitoring reports and dashboards.
- Analyze delinquency trends,

📌 Credit Monitoring (Maharashtra)
🏢 Aditya Birla Capital
📍 Maharashtra