Key Responsibilities
- Bureau & Risk Verification: Analyse CIBIL/Credit Bureau reports, perform verification checks, and identify potential credit risks or frauds.
- Underwriting & Assessment: Prepare Credit Assessment Notes (CAM) with recommendations on loan approval limits, eligibility, interest rates, and terms.
- Compliance & Policy Adherence: Ensure all credit approvals align with the company’s internal credit policy, regulatory guidelines, and risk framework.
- Portfolio Monitoring: Assist in tracking loan portfolio performance, identifying early warning indicators, and minimising Non-Performing Assets (NPAs).
Job Requirements
- Education: Graduate/Postgraduate in Finance, Commerce (B.Com, M.Com, MBA Finance), or related fields.
- Experience:
1 to 5 years of experience in credit appraisal, risk assessment, or loan processing within an NBFC, bank, or fintech.
Skills Required:
- Robust understanding of financial ratio analysis, balance sheet reading, and cash flow evaluation.
- Proficiency in CIBIL report analysis and loan verification processes.
- Good knowledge of MS Excel and financial analysis tools.
- Sharp attention to detail, analytical mindset, and decision-making skills.