Walk-in | Credit Analyst/Credit Manager

Sashi Enterprises; Chhalera; On-site; INR 600,000 - 900,000; Full time

Job summary

Sashi Enterprises in Uttar Pradesh, India, is seeking professionals to verify KYC, assess income, and conduct banking analyses to determine loan eligibility. The role requires thorough review of documents, adherence to credit policy, and risk evaluation.

The ideal candidate has experience in NBFC or fintech lending, strong knowledge of CIBIL and FOIR, and the ability to identify potential fraud while ensuring compliant loan processing.

Qualifications

• Experience in NBFC, Fintech, Personal Loan, Payday Loan, or Digital Lending.
• Knowledge of CIBIL, banking analysis, FOIR/obligations, income assessment, and credit underwriting.
• Ability to assess eligibility, repayment capacity, and overall credit risk.

Responsibilities

• Verify customer KYC, income, employment, and supporting documents.
• Conduct banking analysis, CIBIL/credit bureau checks, and obligation assessment.
• Assess customer eligibility, repayment capacity, and overall credit risk.
• Review applications and determine the appropriate loan amount as per company credit policy.
• Identify potential fraud, discrepancies, and high-risk cases.
• Process and recommend/approve loans within the assigned authority limits.
• Ensure accurate documentation and compliance with internal credit policies.

Skills

KYC verification

Banking analysis

Credit underwriting

CIBIL checks

Fraud detection

FOIR assessment

Risk assessment

Job description

Role & responsibilities

• Verify customer KYC, income, employment, and supporting documents.
• Conduct banking analysis, CIBIL/credit bureau checks, and obligation assessment.
• Assess customer eligibility, repayment capacity, and overall credit risk.
• Review applications and determine the appropriate loan amount as per company credit policy.
• Identify potential fraud, discrepancies, and high-risk cases.
• Process and recommend/approve loans within the assigned authority limits.
• Ensure accurate documentation and compliance with internal credit policies.

Preferred candidate profile

Experience in NBFC, Fintech, Personal Loan, Payday Loan, or Digital Lending preferred. Good knowledge of CIBIL, banking analysis, FOIR/obligations, income assessment, and credit underwriting.