Senior Credit Analyst

Idfc First Bank Limited; Mumbai; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Idfc First Bank Limited seeks a Senior Credit Analyst to appraise corporate borrowers for asset lending, recommend new and existing relationships for approval, and monitor portfolios in coordination with business units and internal/external stakeholders.

The role requires extensive experience in credit appraisal, risk assessment, and asset quality reviews, with collaboration across legal/compliance and product teams to maintain risk standards.

Qualifications

• Graduate with relevant degree.
• 10+ years of corporate lending/credit experience.
• Ability to appraise creditworthiness and onboard asset relationships.
• Experience in asset quality reviews and risk mitigation.

Responsibilities

• Appraise and evaluate clients' creditworthiness for onboarding asset relationships.
• Review, approve or reject loan requests based on credibility and potential revenues/losses.
• Negotiate loan terms to mitigate credit risk.
• Ensure adherence to credit policies and risk appetite criteria.
• Analyze supply chain finance portfolio and monitor performance.
• Facilitate asset quality reviews with insights to identify risks or opportunities.
• Share best practices within the team.

Skills

Credit appraisal

Credit risk assessment

Portfolio monitoring

Stakeholder coordination

Loan structuring

Analytical skills

Education

Graduate - Any

Tools

Excel

Job description

Job Requirements

Role/Job Title: Senior Credit Analyst

Function/ Department: Wholesale Banking Risk

Job Purpose: The role holder shall make credit appraisal of corporate borrowers from asset lending perspective and recommend new as well as existing relationships for approval. Role shall also involve portfolio monitoring interacting and coordinating with the business units, Internal stakeholders (legal/compliance/trade/internal audit/product team) and external Stakeholders (Banks / Rating Agencies) for existing and prospective relationships. Keeping the unit abreast of the current industry updates, Peer group update and competition update. The role holder will also facilitate regular asset quality reviews and recommended relevant actions.

Roles & Responsibilities

• '-Appraise and evaluate clients' creditworthiness for onboarding asset relationship in accordance with bank policies and regulatory framework
• Review, recommend or reject loan requests, based on credibility and potential revenues and losses
• Negotiate loan terms with borrowers to mitigate credit risk
• Ensure credit policies and risk appetite criteria are adhered regularly,
• Analysis of supply chain finance portfolio and ensuring portfolio monitoring, trigger reviews & delinquency control
• Facilitate regular asset quality reviews with analytical insights to identify risks/ opportunities and recommend relevant actions
• Capture and share best- practice knowledge amongst the team

Secondary Responsibilities

• '- Recommend improvements to processes and policies across the supply chain financing business to drive operational efficiencies and high quality customer service
• Participate in overall portfolio monitoring exercise at Wholesale Banking level
• Leverage in-house synergies through collaboration with internal stakeholders

Qualifications

Graduate - Any

Experience

10 years + of experience (Experience can be less basis merit and relevant experience)