Credit Analyst

Pahal Financial Services; Ahmedabad District; On-site; INR 450,000 - 700,000; Full time

Job summary

Pahal Financial Services Pvt. Ltd. in Ahmedabad is seeking a Credit Analyst to evaluate loan applications based on internal credit policies and RBI guidelines, analyze financial documents and bank statements, and work with Relationship Managers to ensure quick turnaround.

The role involves identifying fraud or risk indicators, ensuring KYC compliance, documenting decisions, and maintaining MIS for applications, approvals, and rejections.

Responsibilities

• Evaluate loan applications based on internal credit policies and RBI guidelines.
• Analyze financial documents, bank statements, credit bureau reports, and applicant details.
• Work closely with Relationship Managers and the operations team to ensure quick turnaround time.
• Identify potential fraud or risk indicators using both manual and automated tools.
• Ensure proper documentation, KYC validation, and adherence to regulatory norms.
• Make clear credit decisions and communicate rejections with documented reasoning.
• Maintain MIS for applications, approvals and rejections.

Job description

:

• Evaluate loan applications based on internal credit policies and RBI guidelines.
• Analyze financial documents, bank statements, credit bureau reports, and applicant details.
• Work closely with Relationship Managers and the operations team to ensure quick turnaround time.
• Identify potential fraud or risk indicators using both manual and automated tools.
• Ensure proper documentation, KYC validation, and adherence to regulatory norms.
• Make clear credit decisions and communicate rejections with documented reasoning.
• Maintain MIS for applications, approvals and rejections.