Business Analyst - SME Insti - Pune

Aditya Birla Group; Pune District; On-site; INR 600,000 - 1,000,000; Full time

Job summary

PeopleStrong in India is seeking an SME - Central to perform detailed credit analysis and evaluate lending proposals for CC discussion and decision.

Responsibilities include monitoring the existing portfolio, ensuring compliance with sanction terms, updating MIS, and coordinating with audit and operations teams to address audit queries and regulatory changes.

Qualifications

• Graduate degree and strong analytical abilities.
• Proven communication skills and business sense.
• Experience in credit analysis and risk assessment is preferred.

Responsibilities

• Assess and conduct detailed credit analysis and evaluation of lending proposals for discussion at CC level and decision.
• Evaluate proposals by financial analysis, revenue and profitability review, and auditor insights.
• Monitor existing portfolio quality and red flags, ensuring sanction conditions and covenants are met.
• Ensure compliance with OTC, PDD and sanction letter covenants; keep MIS up to date for risk oversight.
• Coordinate with audit and operations teams to resolve queries and implement regulatory changes.

Skills

Communication Skills

Business Acumen

CAM Preparation

Portfolio Management

Accounting

Stakeholder Management

Education

Graduate

Job description

DEPARTMENT-1 SME - Central

DEPARTMENT-2 SME - Institutional

Country India

State Maharashtra

Skills

Skill

Communication Skills Business Acumen CAM Preparation Portfolio Management and Accounting Stakeholder Management

Graduate

CERTIFICATION

Job Description

Key Result Areas

Supporting Actions

To assess and conduct detailed credit analysis and evaluation of lending proposals for discussion at CC level and decision

To evaluate the proposal by doing financial analysis, assessing sustainability of the revenue and profitability numbers, review of auditor reports to check for any red flags, promoter background check, profile check, legal and technical aspects of the property proposed to be mortgaged, reading credit rating reports to understand the view of external credit rating agencies on the group company

To monitor the existing portfolio

To do regular monitoring of existing portfolio of accounts to assess the quality of the portfolio, identify any red flags, ensure compliance of sanction conditions and covenants stipulated in the sanction terms.

To ensure compliance with OTC, PDD, covenants stipulated in the Sanction letter

To keep oneself updated about any recent regulatory changes/ guidelines / notifications etc. to ensure that all the actions are timely taken to ensure effect of the above regulatory notifications / circulars are duly given to all the portfolio accounts

To prepare regular MIS

To prepare and keep updating MIS required by Risk and Business Head for regular monitoring of portfolio and quality checks

To engage and resolve audit queries

To engage with audit team and operations team and resolve any audit clarifications or data required by interacting with internal and external stakeholders