Credit Assessment
Review loan applications, credit bureau reports (CIBIL), repayment history, and customer profiles.
Assess customer creditworthiness and support lending decisions.
Financial Analysis
Analyze bank statements, income proofs, KYC documents, and financial records.
Evaluate repayment capacity and identify potential risk factors.
Fraud Risk Detection
Detect suspicious transactions, forged documents, fraudulent applications, and unusual customer behavior.
Escalate identified fraud risks and support investigations.
Portfolio Monitoring
Monitor portfolio performance, delinquency trends, overdue accounts, and default rates.
Recommend corrective actions to manage risk exposure.
Risk & Loss Management
Analyze credit risk patterns and portfolio trends.
Suggest strategies to reduce credit losses and improve portfolio quality.
Reporting & MIS
Prepare risk reports, dashboards, MIS, and portfolio performance analyses for management review.
Maintain accurate risk-related data and documentation.
Cross-Functional Coordination
Collaborate with Credit, Operations, Collections, and Technology teams to address risk-related issues.
Support process improvements and risk control initiatives.