Job Title: Credit Analyst
Department: Loan Processing / Credit & Financial Services
Industry: Banking, Financial Services & Loans
Reporting To: Team Leader / Branch Manager / DSA Head

Job Summary

We are looking for a detail-oriented and customer-focused Credit Analyst to join our Direct Selling Agent (DSA) operations team. The candidate will be responsible for handling all incoming loan leads, understanding customer financial requirements, collecting and verifying the necessary documents, evaluating basic credit eligibility, and preparing suitable loan proposals, offers, and deals across various loan products.

The role involves coordinating with customers, banks, NBFCs, and lending partners to identify suitable loan options, facilitate loan applications, and ensure smooth processing of each lead from initial enquiry to disbursement.

Key Responsibilities

1. Lead Management and Customer Handling

- Attend, respond to, and manage all loan leads received through various channels, including calls, referrals, digital platforms, and marketing campaigns.
- Contact prospective customers promptly to understand their financial needs, loan requirements, and eligibility.
- Maintain regular communication and follow up with customers at every stage of the loan process.
- Record and update all lead details, customer interactions, and follow-up activities in the designated system.

2. Customer Assessment and Credit Analysis

- Collect and review customer information, including income details, employment or business profile, existing liabilities, credit history, and repayment capacity.
- Analyse basic credit eligibility based on customer financial information, credit score, income, and applicable lender criteria.
- Identify potential risks, eligibility gaps, and documentation requirements.
- Recommend suitable loan products and potential lending partners based on the customer's profile.

3. Loan Proposal Preparation and Offer Creation

- Prepare suitable loan proposals, deal structures, and offers for every qualified lead received.




- Identify and compare available loan products from banks and NBFCs based on eligibility, loan amount, interest rates, tenure, fees, and other applicable terms.
- Create customised loan proposals for personal loans, business loans, home loans, loans against property, vehicle loans, working capital facilities, and other loan products handled by the DSA.
- Explain proposed loan terms, eligibility requirements, processing fees, and documentation requirements to customers.
- Ensure that all proposals and offers are based on the latest information and applicable terms provided by the lending institutions.

4. Document Collection and Verification

- Collect the required KYC, income, banking, employment, business, and property-related documents, as applicable to the loan product.
- Check documents for completeness, consistency, and accuracy before submission.
- Identify missing documents or discrepancies and coordinate with customers to resolve them.
- Prepare and organise loan application files for submission to the respective bank or NBFC.

5. Loan Application Processing and Coordination

- Submit complete loan proposals and applications to the appropriate lending partners.
- Coordinate with bank and NBFC relationship managers, credit teams, and processing teams for application status and further requirements.
- Respond to queries raised by lending partners and arrange additional documents when required.
- Track each application from lead generation and proposal preparation through sanction, acceptance, and disbursement.
- Communicate application progress, approval conditions, and pending requirements to customers.

6.



Sales Support and Business Development

- Maximise conversion of incoming leads into qualified loan applications and successful disbursements.
- Identify cross-selling and additional borrowing opportunities based on customer requirements and eligibility.
- Maintain a strong working relationship with customers, lending partners, and internal teams.
- Achieve assigned targets for lead conversion, application submissions, and loan disbursements.

7. Reporting and Compliance

- Maintain accurate records of leads, proposals, document status, applications, sanctions, rejections, and disbursements.
- Prepare daily, weekly, and monthly reports on lead handling, pipeline status, conversion rates, and business performance.
- Follow the DSA's internal procedures and the applicable documentation, customer consent, data confidentiality, and lender compliance requirements.
- Ensure transparent communication of loan terms and avoid making unauthorised commitments regarding loan approval or disbursement.

Required Skills and Qualifications

- Bachelor's degree in Commerce, Finance, Business Administration, Banking, or a related field preferred.
- Interest in learning in loan processing, credit analysis, banking, NBFC operations, or DSA activities is an advantage.
- Basic understanding of different loan products, credit assessment, CIBIL/credit reports, and lending criteria.
- Solid communication, customer-handling, negotiation, and follow-up skills.
- Ability to assess financial documents and prepare structured loan proposals.
- Good knowledge of MS Excel, Word, email, and CRM or loan management systems.
- Strong attention to detail, organisational skills, and the ability to manage multiple leads simultaneously.

Ability to work towards business targets while maintaining accuracy and service quality.

Pay: From ₹15,000.00 per month

Benefits:

- Cell phone reimbursement
- Internet reimbursement

Work Location: In person

📌 Loan Executive (Chennai)
🏢 JobLiva
📍 Chennai