Senior Associate, Credit Analyst - Checker, Small Medium Enterprises

DBS; Lucknow; On-site; INR 600,000 - 800,000; Full time

Job summary

DBS in Lucknow seeks a Credit Analyst-Checker to ensure high-quality SME onboarding and credit assessments. You will independently review applications, verify data accuracy, and ensure compliance with internal policies and regulatory requirements.

You will mentor Makers, maintain TAT targets, conduct compliance checks, and deliver regular quality reports. The role demands strong analytical skills, attention to detail, and a thorough understanding of credit risk.

Qualifications

• 3 to 4 years of experience in SME Credit Analysis or related roles.
• Experience in reviewing credit proposals and financial analysis for SME customers.
• Familiarity with KYC, AML, regulatory compliance and credit documentation.

Responsibilities

• Mentor Makers and provide training to improve skills and adherence to procedures.
• Independently review SME applications, verifying data, documentation, and assessments.
• Meet defined Turn Around Time (TAT) targets for appraisal to approval of logins.
• Verify accuracy and appropriateness of credit assessments.
• Conduct thorough compliance checks and flag potential breaches.
• Identify discrepancies and contribute to process improvements.
• Review documentation for completeness and authenticity reflecting ABL login requirements.
• Escalate complex cases to senior management.
• Maintain records and report on quality of applications.
• Ensure adherence to credit policies and regulatory requirements.
• Contribute to efficiency and risk mitigation through continuous improvement.
• Other duties as assigned.

Skills

SME Credit Analysis

Credit Risk Assessment

Attention to detail

Regulatory compliance

Mentoring/Training

Education

Master’s degree in finance or accounting

Tools

Excel

SME lending platforms

Job description

Job Purpose

Credit Analyst - Checker plays a critical role in ensuring the quality and accuracy of SME onboarding and credit assessments. This involves independently reviewing application processes by Makers, verifying the accuracy of data, assessments, and compliance with internal policies and regulatory requirements. The role requires a high level of attention to detail, strong analytical skills, and a thorough understanding of credit risk and compliance.

Key Accountabilities

• Team Mentoring and Maker Development/Training: Provide guidance, training, and mentorship to Makers to improve their skills, knowledge, and adherence to procedures. This includes identifying training needs, conducting training sessions, and providing constructive feedback.
• TAT Adherence: Meet defined Turn Around Time (TAT) targets for Appraisal to Approval of logins
• Credit Assessment Verification: Verify the accuracy and appropriateness of credit assessments performed by Makers, ensuring alignment with established credit policies and risk.
• Compliance Checks: Conduct thorough compliance checks, ensuring adherence to internal policies, and product specifications. Identify and flag any potential compliance breaches.
• Quality Control: Identify and report any discrepancies, errors, or inconsistencies in application processing, contributing to continuous improvement of processes and procedures.
• Documentation Review: Review supporting documentation for completeness and authenticity, ensuring all necessary information is present and accurately reflects the ABL login requirements.
• Escalation: Escalate complex or unusual cases to senior management for further review and decision-making.
• Reporting: Maintain accurate records and provide regular reports on the quality of application processed and any identified issues.
• Policy Adherence: Ensure strict adherence to established credit policies, procedures, and regulatory requirements.
• Continuous Improvement: Contribute to process improvements by identifying areas for enhanced efficiency and risk mitigation.
• Application Review: Independently review SME applications processed by Makers, verifying the completeness and accuracy of data, documentation, and assessments.

Job Duties & responsibilities

• Team Mentoring and Maker Development/Training: Provide guidance, training, and mentorship to Makers to improve their skills, knowledge, and adherence to procedures. This includes identifying training needs, conducting training sessions, and providing constructive feedback.
• Application Review: Independently review SME applications processed by Makers, verifying the completeness and accuracy of data, documentation, and assessments.
• TAT Adherence: Meet defined Turn Around Time (TAT) targets for Appraisal to Approval of logins
• Credit Assessment Verification: Verify the accuracy and appropriateness of credit assessments performed by Makers, ensuring alignment with established credit policies and risk.
• Compliance Checks: Conduct thorough compliance checks, ensuring adherence to internal policies, and product specifications. Identify and flag any potential compliance breaches.
• Quality Control: Identify and report any discrepancies, errors, or inconsistencies in application processing, contributing to continuous improvement of processes and procedures.
• Documentation Review: Review supporting documentation for completeness and authenticity, ensuring all necessary information is present and accurately reflects the ABL login requirements.
• Escalation: Escalate complex or unusual cases to senior management for further review and decision-making.
• Reporting: Maintain accurate records and provide regular reports on the quality of application processed and any identified issues.
• Policy Adherence: Ensure strict adherence to established credit policies, procedures, and regulatory requirements.
• Continuous Improvement: Contribute to process improvements by identifying areas for enhanced efficiency and risk mitigation.
• Other duties as assigned.

Requirements

• 3 to 4 years of experience in SME Credit Analysis, Credit Underwriting, Credit Operations, or SME Lending.
• Experience in reviewing credit proposals, financial analysis, and credit assessment of SME customers.
• Exposure to maker-checker processes, quality assurance, or credit approval controls is preferred.
• Experience in KYC, AML, regulatory compliance, and credit documentation review.
• Prior experience in mentoring, coaching, or training junior team members is an advantage.
• Strong understanding of SME lending products and credit underwriting principles.
• Strong knowledge of credit policies, lending guidelines, and internal approval frameworks.
• Understanding of RBI regulations, KYC, AML, and regulatory compliance requirements.

Education / Preferred Qualifications

Master’s degree in finance, Accounting, or a related field.

Core Competencies

• Proven experience in a credit analysis or similar role, preferably within the SME sector.
• Strong understanding of credit risk assessment principles and methodologies.
• Excellent attention to detail and accuracy.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal skills.
• Ability to work independently and as part of a team.
• Knowledge of relevant regulations and compliance requirements.

Technical Competencies

• Experience with SME lending platforms or systems.
• Proficiency in Microsoft Office Suite, particularly Excel.

Work Relationship

A collaborative relationship focused on achieving team goals and maintaining quality standards

Location

Lucknow

Job

Risk Management

Schedule

Regular

Status

Full time

DBS

DBS is more than a bank — we're shaping the future of finance and communities. With innovation at our core and impact in our DNA, we go beyond banking to build careers, relationships, and a better world. DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 15 consecutive years from 2009 to 2023. DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets and is committed to building lasting relationships with customers. With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities.