Analyst, Credit Analyst - Maker, Small Medium Enterprises.

DBS Bank; Bengaluru; On-site; INR 900,000 - 1,300,000; Full time

Job summary

DBS India is seeking a Credit Analyst for SME lending to process login requests, assess credit risk, and perform KYC/AML hygiene checks. You will maintain records, adhere to policies, and communicate with internal teams to resolve issues.

The role emphasizes accuracy, regulatory understanding, and continuous process improvement. The position requires 3–7 years in SME lending with hands-on underwriting and solid Excel proficiency.

Qualifications

• 3 to 7 years’ experience in SME lending
• Hands-on loan application processing and credit underwriting
• Experience with KYC/AML and compliance checks
• Experience in banking/financial services preferred
• Strong knowledge of credit risk assessment and SME financial analysis
• Familiarity with SME lending platforms and credit processing workflows
• Proficiency in MS Excel and MS Office tools

Responsibilities

• Process SME login requests and verify documentation, including data entry and identity checks.
• Meet defined Turn Around Time (TAT) targets from application to login approvals.
• Conduct thorough credit assessments of SMEs based on provided data and internal guidelines.
• Perform hygiene checks on SME applications, reviewing KYC/AML docs and compliance materials.
• Maintain accurate, up-to-date records of processed applications with data integrity.
• Adhere to credit policies, procedures, and regulatory requirements throughout processing.
• Communicate status and issues clearly with internal teams and stakeholders.
• Identify and resolve discrepancies; escalate complex issues as needed.
• Contribute to process improvements for efficiency and risk mitigation.
• Other duties as assigned.

Skills

Credit risk assessment

SME lending

KYC/AML compliance

Credit underwriting

Regulatory understanding

Education

Master’s degree in finance, Accounting, or related field

Tools

Microsoft Excel

Job description

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