credit policy analyst

YES BANK

<div>
 <strong>
  SECTION II: ROLE SUMMARY
  <br/>
  <br/>
 </strong>
 The incumbent is required to manage the collections ( 30+, 90+ NCL, Recoveries) as per business standards.
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 He/ She are to drive Productivity and Performance &amp; Manage/ Reduce Expense.
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 The incumbent needs to ensure process design and governance to mitigate risks from outsourcing, information security- reputational risk / operational risk / credit risk / information security risk.
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 Further this role should provide insights to Credit Risk / Credit Policy to ensure Credit Quality.
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 <strong>
  SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES
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  <br/>
 </strong>
 <strong>
  Core Responsibilities
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  <br/>
 </strong>
 Ensure adequate collections infrastructure at all times.
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 Management of Flow/ loss rates as per collection plan- 30+, 90+, NCL, NPA, Provisions.
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 Ensure productivity and Performance metrics set by business are met and improved upon.
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 <br/>
 Expense reduction by improvement in productivity and performance.
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 Operational risk/ credit risk/ market risk/ information security risk governance.
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 <br/>
 Credit Quality/ Feedback to Credit Policy.
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 <br/>
 Digitization and productivity enhancement.
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 <br/>
 <strong>
  People Management Or Self-Management Responsibilities
  <br/>
  <br/>
 </strong>
 Management of Flow/ loss rates as per collection plan- 30+, 90+, NCL, NPA, Provisions.
 <br/>
 <br/>
 Ensure productivity and Performance metrics set by business are met and improved upon.
 <br/>
 <br/>
 Expense reduction by improvement in productivity and performance.
 <br/>
 <br/>
 Credit Quality/ Feedback to Credit Policy.
 <br/>
 <br/>
 Digitization and productivity enhancement.
 <br/>
 <br/>
 <strong>
  Risk And Internal Control Responsibilities
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  <br/>
 </strong>
 Operational risk/ credit risk/ market risk/ information security risk governance. Timely reviews &amp; Audits to manage the same.
</div>


Sales Manager Product and Portfolio

Bajaj Finserv

<div>
 <strong>
  Location Name:
 </strong>
 Tumkur
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 <br/>
 <strong>
  Job Purpose
  <br/>
  <br/>
 </strong>
 &ldquo;This position is open with Bajaj Finance ltd.&rdquo;
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 <br/>
 <strong>
  Duties And Responsibilities
  <br/>
  <br/>
 </strong>
 Implementation of Credit Policy and continuous evaluation to ensure adherence to the Policy and compliance with the Authority Matrix at branches in the area assigned.
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 <br/>
 <ul>
  <li>
   Credit appraisal for BL &amp; Doctor Loans files for the assigned location
  </li>
  <li>
   Keeping delinquency under control
  </li>
  <li>
   Compliance of policy and processes
  </li>
  <li>
   Reporting of location metrics like Login, Approval, Disbursal, Rejection, Deviation on monthly basis as per prescribed format
  </li>
  <li>
   Market Research and Feedback for new product launch.
  </li>
  <li>
   Feed back on credit policy based on market conditions.
   <br/>
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Required Qualifications And Experience
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   &emsp;Chartered Accountant /MBA Finance with 2-3 years of relevant experience.
  </li>
  <li>
   &emsp;Has worked with reputed Bank/Financial Institution in unsecured high ticket size loans
  </li>
  <li>
   &emsp;Positive attitude and team player
  </li>
 </ul>
</div>


Area Manager - Affordable Housing

<div>
 <strong>
  Location Name:
 </strong>
 Fatehabad
 <br/>
 <br/>
 <strong>
  Job Purpose
  <br/>
  <br/>
 </strong>
 &ldquo;This position is open with Bajaj Finance ltd.&rdquo;Culture Anchor:Work Hard - Consistently puts in effort. plans and tracks daily progress to achieve targetsExecute with Rigor - Takes responsibility for meeting targets with focus and effortOwn It - Maintains honesty and fairness in all interactions in line with organization&rsquo;s policiesAct with Integrity
 <br/>
 <br/>
 <strong>
  Duties And Responsibilities
  <br/>
  <br/>
 </strong>
 Implementation of Credit Policy and continuous evaluation to ensure adherence to the Policy and compliance with the Authority Matrix at branches in the area assigned.-Credit appraisal for BL &amp; Doctor Loans files for the assigned location-Keeping delinquency under control-Compliance of policy and processes-Reporting of location metrics like Login, Approval, Disbursal, Rejection, Deviation on monthly basis as per prescribed format-Market Research and Feedback for new product launch.-Feed back on credit policy based on market conditions.
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 <br/>
 <strong>
  Required Qualifications And Experience
  <br/>
  <br/>
 </strong>
 Chartered Accountant /MBA Finance with 2-3 years of relevant experience.&amp;lt
</div>


Deputy Manager - Credit

Innotech Creditsea Platforms Private Limited

<p>Company: CreditSea</p><p>About Us:</p><p>CreditSea is a fintech platform providing quick, transparent, and reliable loan solutions to individuals in need. We focus on customer-centric lending with strong risk and credit practices.</p><p>Role Overview:</p><p>We are hiring a Credit Analyst to assess loan applications, analyze credit risk, and support responsible lending decisions. The role involves working closely with risk and underwriting teams.</p><p>Key Responsibilities:</p><ul><li>Evaluate loan applications and credit reports</li><li>Analyze financial data and assess credit risk</li><li>Prepare credit recommendations and reports</li><li>Monitor loan performance and ensure policy compliance</li></ul><p>Requirements:</p><ul><li>Bachelor&rsquo;s degree in Finance, Economics, Accounting, or related field</li><li>Strong analytical and decision-making skills</li><li>Prior experience in credit analysis preferred</li></ul><p>Job Type: Full-time</p><p>Work Location: In person</p><p>Job Types: Full-time, Permanent</p><p>Pay: ₹18,000.00 - ₹22,000.00 per month</p><p>Benefits:</p><ul><li>Cell phone reimbursement</li><li>Leave encashment</li><li>Paid sick time</li></ul><p>Work Location: In person</p>

Credit Analyst

Zolve

<div><div><div>Credit Assessment
<div><div><h1 class="jobSectionHeader"><b>Credit Risk Senior Analyst</b></h1>
<div>Bengaluru
<div>Work Type: Full Time
</div></div></div><div>
</div></div></div></div><div><div><h1 class="jobSectionHeader"><b>ABOUT ZOLVE</b></h1><div></div><div><div><div><div><br>
Welcome to the financial frontier of limitless possibilities - welcome to Zolve. We're not just a fintech; we're architects of a financial revolution, crafting a narrative that transcends borders. At Zolve, we believe in rewriting the rules of finance to empower global citizens, nomads, and dreamers to navigate the world without constraints.</div><div><br>
Zolve is the world's first cross border neo-bank which helps migrants get access to credit in the new country based on their home country credit score. Zolve&rsquo;s cross-border capabilities enable global citizens to access financial products such as checking accounts, credit cards, remittances, insurances, and loans seamlessly, helping them to be financially free to pursue their ambitions, without limiting the services to a particular country.</div><div><br>
As we continue to grow into multiple geographies, product lines and customer segments, we are seeking a dynamic individual<b> </b>to join us and support our journey.</div></div></div></div><div></div><h1 class="jobSectionHeader"><b><br>
JOB DESCRIPTION</b></h1><div></div><div><div><div><div><b><br>
Role: </b><b>Credit Risk Senior Analyst</b></div><div><b><br>
Location: </b>Bengaluru</div><div><b><br>
Employment Type: </b>Full-Time</div><div><br>
The <b>Credit Risk Senior Analyst</b> will be responsible for assessing, managing, and mitigating the credit risk exposure for the US credit card portfolio. This role will involve working closely with business units to ensure sound credit risk policies and practices are in place. The Credit Risk Senior Analyst will conduct thorough credit assessments, maintain risk monitoring systems, and assist in making strategic recommendations to safeguard the company from potential credit losses. This position requires strong analytical skills, a deep understanding of credit risk management principles, and the ability to communicate effectively with senior leadership.</div></div></div><br>
</div><h1 class="jobSectionHeader"><b>
RESPONSIBILITIES</b></h1><div><div><div><h3 class="jobSectionHeader"><b>
Credit Risk Assessment</b></h3><ul><li><p>
Evaluate and monitor the <b>creditworthiness of existing and prospective customers</b></p></li><li><div><br>
Perform detailed analysis of <b>financial statements, credit bureau reports, and risk data</b></div></li><li><p><br>
Recommend <b>credit limits, terms, and risk actions</b> based on assessment outcomes</p></li></ul><h3 class="jobSectionHeader"><b>
Credit Risk Strategy &amp; Policy</b></h3><ul><li><p>
Develop, implement, and periodically enhance <b>credit risk policies and procedures</b></p></li><li><div><br>
Ensure credit risk strategy aligns with <b>business objectives and regulatory requirements</b></div></li><li><p><br>
Advise senior management on <b>risk exposure, trends, and mitigation strategies</b></p></li></ul><h3 class="jobSectionHeader"><b>
Risk Monitoring &amp; Reporting</b></h3><ul><li><p>
Monitor portfolio risk exposure to ensure compliance with <b>internal risk limits</b></p></li><li><div><br>
Prepare <b>risk reports and dashboards</b> highlighting key indicators, trends, and emerging risks</div></li><li><p><br>
Implement and manage <b>automated tools and systems</b> for risk monitoring and reporting</p></li></ul><h3 class="jobSectionHeader"><b>
Stakeholder Management</b></h3><ul><li><p>
Collaborate with <b>underwriting, sales, finance, product, and legal teams</b> to manage credit risk</p></li><li><p><br>
Liaise with <b>credit bureaus, auditors, and regulatory bodies</b> to stay aligned with best practices</p></li></ul><h3 class="jobSectionHeader"><b>
Compliance &amp; Governance</b></h3><ul><li><p>
Ensure adherence to <b>regulatory requirements and industry standards</b></p></li><li><p><br>
Maintain up-to-date knowledge of <b>US credit regulations and compliance frameworks</b></p></li></ul><h3 class="jobSectionHeader"><b>
Training &amp; Development</b></h3><ul><li><p>
Provide guidance and mentorship to <b>junior risk analysts</b></p></li><li><p><br>
Stay current with <b>industry trends, tools, and regulatory developments</b></p></li></ul></div></div><br>
</div><h1 class="jobSectionHeader"><b>
QUALIFICATIONS</b></h1><div></div><div><div><div><p><b><br>
Education:</b> Bachelor&rsquo;s degree in <b>Finance, Economics, Accounting</b>, or a related field ot<br>
Master&rsquo;s degree (MBA / MSc) or professional certifications (<b>FRM, CFA</b>) are preferred</p><p><b>
Skills &amp; Experience:</b></p><ul><li><p>
Minimum <b>5 years of experience</b> in <b>US credit card risk management</b> or related roles</p></li><li><div>
Strong understanding of <b>credit risk analysis, financial modeling, and portfolio management</b></div></li><li><div>
Experience working with <b>US credit bureaus</b> and US credit scoring frameworks</div></li><li><div>
Exposure to <b>credit risk management systems and tools</b></div></li></ul><h3 class="jobSectionHeader"><b>
Technical Skills</b></h3><ul><li><p>
Advanced knowledge of <b>credit scoring models and risk mitigation techniques</b></p></li><li><div>
Proficiency in <b>Excel, SQL, and Python</b></div></li><li><div>
Strong analytical and reporting capabilities</div></li></ul><h3 class="jobSectionHeader"><b>
Soft Skills</b></h3><ul><li><p>
Excellent <b>analytical and problem-solving skills</b></p></li><li><div>
Strong <b>written and verbal communication abilities</b></div></li><li><div>
Ability to engage effectively with <b>senior leadership and external stakeholders</b></div></li><li><div>
High attention to detail and strong organizational skills</div></li></ul></div></div></div></div></div></div><p></p>

Credit Risk Senior Analyst

Citi

Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis for Citi Corporate Clients and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio &amp; Industry Reviews.Key Responsibilities: Assess the credit and financial strength of Citi s Corporate Clients based in Sub-Saharan Middle East and North Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factorsComplete Credit Analysis Write-up Memos and assign internal ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetiteContinuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Senior Underwriters, Risk and Banking partnersPartnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfoliosKnowledge/Experience:Demonstrable financial services experience, including 0-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience. We also encourage fresher to apply.Ability to understand Citi policies and procedures with the ability to execute change seamlessly.Intermediate analytical skills, including an understanding of key financial components like liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issuesSkills/Competencies:Assists colleagues in identifying stretch opportunities to elevate individual and team performanceInterpersonal skills, with the ability to build relationships and exert influence with and without direct authorityOrganizational skills with ability and willingness to work under pressure and manages time and priorities effectivelyWritten and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniorityMicrosoft Office (Word, Excel, and PowerPoint) skillsLanguage: English   Read, Write and SpeakQualifications:BA/BSc or higher degree in Business (MBA), or any other related subjectThis job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.------------------------------------------------------Job Family Group: Risk Management------------------------------------------------------Job Family:Credit Risk------------------------------------------------------Time Type:Full time------------------------------------------------------Most Relevant SkillsAnalytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------Other Relevant SkillsFor complementary skills, please see above and/or contact the recruiter.------------------------------------------------------Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.View Citi s EEO Policy Statement and the Know Your Rights poster.

Underwriting Credit Analyst - Officer

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