Credit Analyst _NBFC Underwriting

Utkarsh Small Finance Bank; Navi Mumbai; On-site; INR 1,200,000 - 1,600,000; Full time

Job summary

Utkarsh Small Finance Bank is seeking a credit policy specialist to lead formulation and refinement of SME/NBFC credit policies and to sharpen underwriting standards for business loans. You will review amendments, assess financial statements of medium to large corporates and NBFCs, monitor risk via dashboards, and develop rating models using historical data to support informed lending decisions.

Collaboration with stakeholders will implement rating frameworks and monitor delinquency trends

Responsibilities

• Formulation of Credit Policy for SME/ Financial institutions & Loans to NBFC.
• Proficiency in Credit Proposal Underwriting & credit risk for Business Loans Proposal & NBFC Funding Proposals.
• Review amendment proposal to credit policies & effective implementation.
• Understanding of Financial Statement & fund requirements of medium to large Corporates & NBFCs.
• Review and Analysis of historical loan data to understand the pattern from delinquency point of view.
• Continuous monitoring of borrowers through visits, QM review, EWS and quarterly tracking of financials.
• Apply statistical tool to analyze the pattern and come with detailed assessment.
• Review and Prepare risk dashboard for management which shows all important risk parameters, Customer, vendor, competition visits. Market analysis.
• Develop rating model/scorecard for various retail and corporate loans based on historical data
• Coordinate with various stakeholder for the rating model implementation .

Job description

Role & responsibilities

• Formulation of Credit Policy for SME/ Financial institutions & Loans to NBFC.
• Proficiency in Credit Proposal Underwriting & credit risk for Business Loans Proposal & NBFC Funding Proposals.
• Review amendment proposal to credit policies & effective implementation.
• Understanding of Financial Statement & fund requirements of medium to large Corporates & NBFCs.
• Review and Analysis of historical loan data to understand the pattern from delinquency point of view.
• Continuous monitoring of borrowers through visits, QM review, EWS and quarterly tracking of financials.
• Apply statistical tool to analyze the pattern and come with detailed assessment.
• Review and Prepare risk dashboard for management which shows all important risk parameters, Customer, vendor, competition visits. Market analysis.
• Develop rating model/scorecard for various retail and corporate loans based on historical data
• Coordinate with various stakeholder for the rating model implementation .