Credit Risk Analyst

Key Responsibilities

Credit Risk Analyst

Policy Risk & Risk Framework

• Formulation, review, and evaluation of credit policies in coordination with Credit and Business teams.
• Present finalized policies along with Seniors to the Chief Risk Officer (CRO) for approval.
• Ensure policies are aligned with regulatory guidelines and internal risk appetite.
• Maintain comprehensive documentation and version control of all policy changes.
• Develop and publish Portfolio Quality Reports (PQRs) to track and monitor asset quality.
• Create and automate risk analytics reports and dashboards, including user acceptance testing (UAT) before implementation.
• Conduct stress testing and identify early warning signals through data-driven insights.

Credit Risk Management

• Provide oversight on credit decisions, sectoral risk appetite, and underwriting frameworks.
• Lead discussions on segment-specific credit strategies and risk-return trade-offs.

Credit Process Review & Governance

• Conduct end-to-end credit process reviews to ensure risk controls, operational efficiency, and regulatory compliance.
• Undertake location and vendor visits as part of credit process validations and risk assessments.
• Recommend process improvements based on field insights and best practices.

Other Projects & Cross-functional Initiatives

• Drive cross-functional initiatives with Business and Credit teams related to risk and policy integration in technology platforms.
• Collaborate with product, operations, and technology for seamless implementation of risk policies across systems.

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Key Requirements

Education

• CA, MBA, FRM, CFA, or other relevant professional certifications as an advantage

Experience

• 5 to 8 years of experience in Credit Risk, Policy Risk, Portfolio Risk in SME lending, preferably in a bank, NBFC, or fintech.

Skills

• In-depth understanding of SME risk profiles, underwriting frameworks, and regulatory landscape.
• Strong skills in stakeholder management, cross-functional collaboration, and policy articulation & data analytics.

Job Type: Full-time

Pay: ₹2,000,000.00 - ₹2,500,000.00 per year

Work Location: In person