Credit Risk Analyst

Ansu Trade & Fiscals; Mumbai Suburban; On-site; INR 800,000 - 1,400,000; Full time

Job summary

Ansu Trade & Fiscals in Mumbai seeks a risk-focused professional to perform credit assessment, financial analysis, fraud risk detection, and portfolio monitoring. You will review applications, bank statements, and KYC documents to support lending decisions and risk control.

The role involves analysing risk factors, preparing MIS and risk reports for management, and coordinating with Credit, Operations, Collections and Technology teams to implement controls and reduce losses.

Qualifications

• Review loan applications, credit bureau reports (CIBIL), repayment history, and customer profiles.
• Assess customer creditworthiness and support lending decisions.
• Analyze bank statements, income proofs, KYC documents, and financial records.
• Evaluate repayment capacity and identify potential risk factors.
• Detect suspicious transactions, forged documents, fraudulent applications, and unusual customer behavior.
• Escalate identified fraud risks and support investigations.
• Monitor portfolio performance, delinquency trends, overdue accounts, and default rates.
• Recommend corrective actions to manage risk exposure.
• Analyze credit risk patterns and portfolio trends.
• Suggest strategies to reduce credit losses and improve portfolio quality.
• Prepare risk reports, dashboards, MIS, and portfolio performance analyses for management review.
• Maintain accurate risk-related data and documentation.
• Collaborate with Credit, Operations, Collections, and Technology teams to address risk-related issues.
• Support process improvements and risk control initiatives.

Responsibilities

• Review loan applications, credit bureau reports (CIBIL), repayment history, and customer profiles.
• Assess customer creditworthiness and support lending decisions.
• Analyze bank statements, income proofs, KYC documents, and financial records.
• Evaluate repayment capacity and identify potential risk factors.
• Detect suspicious transactions, forged documents, fraudulent applications, and unusual customer behavior.
• Escalate identified fraud risks and support investigations.
• Monitor portfolio performance, delinquency trends, overdue accounts, and default rates.
• Recommend corrective actions to manage risk exposure.
• Analyze credit risk patterns and portfolio trends.
• Suggest strategies to reduce credit losses and improve portfolio quality.
• Prepare risk reports, dashboards, MIS, and portfolio performance analyses for management review.
• Maintain accurate risk-related data and documentation.
• Collaborate with Credit, Operations, Collections, and Technology teams to address risk-related issues.
• Support process improvements and risk control initiatives.

Job description

Key Responsibilities

Credit Assessment

• Review loan applications, credit bureau reports (CIBIL), repayment history, and customer profiles.
• Assess customer creditworthiness and support lending decisions.

Financial Analysis

• Analyze bank statements, income proofs, KYC documents, and financial records.
• Evaluate repayment capacity and identify potential risk factors.

Fraud Risk Detection

• Detect suspicious transactions, forged documents, fraudulent applications, and unusual customer behavior.
• Escalate identified fraud risks and support investigations.

Portfolio Monitoring

• Monitor portfolio performance, delinquency trends, overdue accounts, and default rates.
• Recommend corrective actions to manage risk exposure.

Risk & Loss Management

• Analyze credit risk patterns and portfolio trends.
• Suggest strategies to reduce credit losses and improve portfolio quality.

Reporting & MIS

• Prepare risk reports, dashboards, MIS, and portfolio performance analyses for management review.
• Maintain accurate risk-related data and documentation.

Cross-Functional Coordination

• Collaborate with Credit, Operations, Collections, and Technology teams to address risk-related issues.
• Support process improvements and risk control initiatives.