Analyst, Credit Analyst - Maker, Small Medium Enterprises.

DBS Bank Ltd; Bengaluru; On-site; INR 700,000 - 1,000,000; Full time

Job summary

DBS Bank Ltd in Bangalore is seeking a Credit Analyst - Maker for SME onboarding on the SFW platform. You will process SME login requests, perform credit assessments, and ensure hygiene checks while adhering to policy guidelines.

The role requires attention to detail, knowledge of credit risk, and experience with KYC/AML compliance. Collaboration with internal teams is essential, with a focus on accuracy and efficiency.

Qualifications

• 3 to 7 years’ experience in SME lending.
• Hands-on experience in loan application processing and underwriting.
• Experience with KYC/AML and compliance checks.
• Experience with banking or financial services institutions preferred.
• Proficiency in Microsoft Excel and data analysis.

Responsibilities

• SME login processing with accurate data entry and identity checks.
• TAT adherence from application to login approval.
• Perform credit assessments and identify potential risks.
• Conduct hygiene checks per regulatory and policy requirements.
• Maintain accurate records and data integrity.
• Communicate status with stakeholders and escalate issues.
• Support continuous process improvement and risk mitigation.

Skills

SME lending

Loan application processing

Credit underwriting

KYC/AML compliance

Regulatory knowledge

Financial analysis

Education

Master's degree in finance or accounting

Tools

Excel

SME lending platforms

Job description

## Analyst, Credit Analyst - Maker, Small Medium Enterprises.Applyremote type: Operationslocations: Bangaloretime type: Full timeposted on: Posted Todaytime left to apply: End Date: September 4, 2026 (30 days left to apply)job requisition id: WD87275**Job Purpose:**Credit Analyst - Maker plays a crucial role in ensuring the smooth and efficient login of Small and Medium-sized Enterprises (SMEs) onto our SFW platform. This involves processing SME login requests, meticulously conducting assessments and hygiene checks, and adherence to established product and policy guidelines. The role requires a high level of accuracy, attention to detail, and a strong understanding of credit risk assessment principles.**Key Accountabilities:*** TAT Adherence: Meet defined Turn Around Time (TAT) targets for application to Approval of logins.* Credit Assessment: Conduct thorough credit assessments of SMEs based on provided information and internal guidelines, identifying potential risks.* Hygiene Checks: Perform comprehensive hygiene checks on all SME applications, ensuring compliance with regulatory requirements, internal policies, and product specifications. This includes reviewing KYC/AML documentation and other relevant compliance materials.* Data Management: Maintain accurate and up-to-date records of all processed applications, ensuring data integrity and consistency.* Policy Adherence: Strictly adhere to established credit policies, procedures, and regulatory requirements throughout the entire application processing workflow.* Communication: Effectively communicate with internal teams and stakeholders regarding application status and any identified issues.* Problem Solving: Identify and resolve any discrepancies or issues encountered during the application processing workflow, escalating complex issues to the appropriate personnel as needed.* Continuous Improvement: Contribute to the continuous improvement of processes and procedures by identifying opportunities for efficiency gains and risk mitigation.**Job Duties & responsibilities*** SME login: Process and verify SME login requests, ensuring all necessary documentation is complete and accurate. This includes data entry, verification of identity and business registration details.* TAT Adherence: Meet defined Turn Around Time (TAT) targets for application to Approval of logins.* Credit Assessment: Conduct thorough credit assessments of SMEs based on provided information and internal guidelines, identifying potential risks.* Hygiene Checks: Perform comprehensive hygiene checks on all SME applications, ensuring compliance with regulatory requirements, internal policies, and product specifications. This includes reviewing KYC/AML documentation and other relevant compliance materials.* Data Management: Maintain accurate and up-to-date records of all processed applications, ensuring data integrity and consistency.* Policy Adherence: Strictly adhere to established credit policies, procedures, and regulatory requirements throughout the entire application processing workflow.* Communication: Effectively communicate with internal teams and stakeholders regarding application status and any identified issues.* Problem Solving: Identify and resolve any discrepancies or issues encountered during the application processing workflow, escalating complex issues to the appropriate personnel as needed.* Continuous Improvement: Contribute to the continuous improvement of processes and procedures by identifying opportunities for efficiency gains and risk mitigation.* Other duties as assigned.**Requirements*** 3 to 7 years’ experience in SME lending* Hands-on experience in loan application processing, Credit underwriting or assessment* Experience of KYC / AML and compliance checks* Experience working with banking or financial services institutions preferred* Strong understanding of credit risk assessment principles and SME financial analysis* Experience with SME lending platforms systems and credit processing workflow* Knowledege of KYC/AML compliance and banking regulations and internal credit policies.* Proficiency in Microsoft Excel ( data tracking, MIS, analysis) and Microsoft office tools.**Education / Preferred Qualifications*** Master’s degree in finance, Accounting, or a related field**Core Competencies*** Proven experience in a credit analysis or similar role, preferably within the SME sector.* Strong understanding of credit risk assessment principles and methodologies.* Excellent attention to detail and accuracy.* Strong analytical and problem-solving skills.* Excellent communication and interpersonal skills.* Ability to work independently and as part of a team.* Knowledge of relevant regulations and compliance requirements.**Technical Competencies*** Experience with SME lending platforms or systems.* Proficiency in Microsoft Office Suite, particularly Excel.**Work Relationship*** A collaborative relationship focused on achieving team goals and maintaining quality standards.**DBS India - Culture & Behaviors*** As per PRIDE values of DBS**Location:**Bangalore**Job:**Risk Management**Schedule:**Regular**Employee Status:**Full time