Credit Risk Associate, Thane-Mumbai

N Human Resources & Management Systems; Thane; On-site; INR 350,000 - 550,000; Full time

Job summary

N Human Resources & Management Systems is seeking a CRA Associate in Thane, India. The role involves first-level credit and risk screening, KYC/document verification, data validation, and coordinating with internal teams to prepare cases for further assessment.

Responsibilities include reviewing KYC and financial documents, validating information, maintaining case records, and escalating anomalies. Strong Excel, attention to detail and communication are essential for handling high-volume

Qualifications

• Knowledge of KYC and basic credit-risk concepts.
• Ability to understand business and financial documents.
• Good analytical and numerical skills.
• Strong attention to detail.
• Good MS Excel and system-handling skills.
• Strong communication and follow-up skills.
• Ability to manage multiple cases and high volumes.

Responsibilities

• Conduct first-level screening of customer applications as per CRA eligibility criteria.
• Verify KYC, GST, business registration, financial and other supporting documents.
• Validate customer/business information against documents and system records.
• Identify missing, expired, mismatched or inconsistent information.
• Review bank statements, ITRs and credit bureau reports.
• Maintain accurate case records and update CRA/CRM/ERP systems.
• Coordinate with Sales, Operations and customers for pending documents and clarifications.
• Prepare complete cases for further credit/risk assessment.
• Escalate exceptions, unusual cases and potential risk indicators to the reporting manager.

Skills

KYC concepts

Credit risk

Analytical skills

MS Excel

System handling

Attention to detail

Communication

Multitasking

Education

Bachelor's degree in Commerce/Finance/Banking/Business Administration

Tools

CRM systems

ERP systems

Job description

N Human Resources & Management Systems | Full time

Role Overview

We are looking for a CRA Associate to handle first-level credit and risk screening, KYC/document verification, data validation, case preparation and coordination with internal teams.

Conduct first-level screening of customer applications as per CRA eligibility criteria.

Verify KYC, GST, business registration, financial and other supporting documents.

Validate customer/business information against documents and system records.

Identify missing, expired, mismatched or inconsistent information.

Review bank statements, ITRs and CIBIL/credit bureau reports.

Verify business entity details including Proprietorship, Partnership, LLP, Pvt. Ltd. and Public Ltd. companies.

Maintain accurate case records and update CRA/CRM/ERP systems.

Coordinate with Sales, Operations and customers for pending documents and clarifications.

Prepare complete cases for further credit/risk assessment.

Escalate exceptions, unusual cases and potential risk indicators to the reporting manager.

Maintain MIS, track pending cases and ensure timely case closure.

Follow CRA checklists, SOPs and defined quality standards.

Required Skills

Knowledge of KYC and basic credit-risk concepts.

Ability to understand business and financial documents.

Good analytical and numerical skills.

Strong attention to detail.

Good MS Excel and system-handling skills.

Strong communication and follow-up skills.

Ability to manage multiple cases and high volumes.

Requirements

Qualification

Bachelor's degree in Commerce, Finance, Banking, Business Administration or related field.

Preferred Background

Candidates from Banking, NBFC, Fintech, Credit Operations, KYC/AML, Underwriting, Risk Assessment or Financial Services are preferred.