Key Responsibilities:
- Supervise Credit Analysts and monitor their productivity, quality, and TAT.
- Ensure adherence to Credit Policy, SOPs, and risk guidelines.
- Review credit underwriting and identify high-risk profiles or policy deviations.
- Monitor portfolio performance, DPD, CE, defaults, and delinquency trends.
- Conduct basic root-cause analysis of defaults and identify risk patterns.
- Prepare and review Credit & Risk MIS and performance reports.
- Analyze portfolio performance across CIBIL, salary, loan amount, FOIR, tenure, and other key parameters.
- Coordinate with IT, Collections, Operations, and other teams regarding credit & risk requirements.
- Identify process gaps and suggest improvements.
- Support training, coaching, and performance improvement of Credit Analysts.
Required Skills:
- Strong hands-on experience in credit underwriting and risk assessment
- Understanding of NBFC / Fintech / Digital Lending
- Portfolio and default analysis
- Good Excel / Google Sheets skills
- Team handling and communication skills
- Analytical and problem-solving ability
- Knowledge of CIBIL/Experian, FOIR, banking and income assessment
Pay: ₹50,000.00 - ₹60,000.00 per month
Benefits:
- Health insurance
- Leave encashment
- Paid sick time
- Paid time off
- Provident Fund
Work Location: In person
