Senior Associate Credit Analyst - Checker Small Medium Enterprises

DBS Bank; Lucknow; On-site; INR 600,000 - 1,200,000; Full time

Job summary

DBS Bank India in Lucknow is seeking a Credit Analyst - Checker to ensure accuracy of SME onboarding and credit assessments, reviewing maker submissions and verifying data against internal policies.

The role demands strong attention to detail, risk awareness, and familiarity with RBI guidelines, KYC/AML, and regulatory requirements, with opportunities to mentor teammates and support process improvements.

Qualifications

• Experience in SME credit analysis and underwriting.
• Familiarity with KYC, AML, and regulatory compliance.
• Mentoring or training junior staff is an advantage.

Responsibilities

• Mentor Makers to improve procedures and training.
• Review SME applications for completeness and accuracy.
• Meet defined TAT for appraisal to approval.
• Verify credit assessments align with policies.
• Perform compliance checks against regulations.
• Identify discrepancies and contribute to process improvements.
• Review documentation for authenticity and completeness.
• Escalate complex cases to senior management.
• Maintain records and report on quality of processing.
• Ensure adherence to credit policies and regulatory requirements.
• Contribute to continuous improvement.

Skills

SME Credit Analysis

Credit Underwriting

KYC/AML

Attention to detail

Analytical skills

Policy adherence

Education

Master’s degree in finance

Tools

Excel

SME lending platforms

Job description

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.

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

Employee Status:

Full time