Credit Analyst chennai

Portfolio Monitoring & Compliance

·       Portfolio Analysis:

ü Perform portfolio analysis across products, geography, customer segments, and ticket sizes to assess portfolio health.

ü Track delinquency trends, flow rates, bucket movements, and other key portfolio risk indicators.

ü Conduct vintage and cohort analysis to monitor portfolio performance over time.

ü Identify emerging risks, concentration exposures, and deterioration in portfolio quality.

ü Prepare portfolio risk reports, dashboards, and analytical cuts for management review.

ü Present portfolio trends, risk build-up, and insights to senior management.

·       Portfolio Monitoring: Monitor early warning signals and changes in borrower repayment behaviour.

·       Quality Assurance:

ü Conduct sample-based credit file audits to verify adherence to credit policy, sanction conditions, and documentation requirements.

ü Identify process gaps, policy deviations, and control weaknesses during audits and highlight the same to management.

Credit Underwriting & Risk Assessment

·       Approval & Sanctioning: Review and approve of applications within delegated authority, ensuring creditworthiness and repayment capacity analysis.

·       Policy Formulation: Assist in developing and updating credit policies, underwriting standards, and product programs to maintain portfolio quality.

Team Leadership & Process Management

·       Operational Efficiency: Streamline Loan Origination System (LOS) workflows to enhance process efficiency and compliance.

·       Team Leadership: Lead, mentor, and train a team of Credit Approvers to maintain high productivity and accuracy.

·       TAT Management: Monitor and optimize Turnaround Time (TAT) for loan processing, ensuring high customer experience while adhering to risk guardrails.

Required Qualifications & Experience

·       Education: CA or CA (Inter), MBA (Finance).

·       Experience: 4–5 years of experience in credit analysis / portfolio management.

 Key Competencies/Skills

·       Analytical Skills: Portfolio analysis, Bank statement analysis, ratio analysis, and credit bureau report interpretation

·       Decision Making: Ability to make firm, unbiased decisions under pressure.

·       Languages known: English. Further ability to speak and read Hindi & any one regional language is preferable.

·       Technology: Proficiency in MS Excel/PowerPoint and having experience in LOS/LMS systems is preferable.